<SEC-DOCUMENT>0000927089-20-000039.txt : 20200122
<SEC-HEADER>0000927089-20-000039.hdr.sgml : 20200122
<ACCEPTANCE-DATETIME>20200122101121
ACCESSION NUMBER:		0000927089-20-000039
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20200121
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200122
DATE AS OF CHANGE:		20200122

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:		20537896

	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>
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<p style='font:11pt Times New Roman;margin:0;color:#000000;text-align:center'>UNITED STATES<br/>SECURITIES AND EXCHANGE COMMISSION<br/>Washington, D.C. 20549</p>
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<p style='font:11pt Times New Roman;margin:0;color:#000000;text-align:center'><span style='font-size:11pt'>(Former name or former address, if changed since last report)</span></p>
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<p style='font:11pt Times New Roman;margin:0;color:#000000'><span style='font-size:11pt'>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:</span></p>
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<p style='font:10pt Times New Roman;margin:0;margin-left:27pt;color:#000000;text-align:justify'><kbd style='position:absolute;font:11pt Segoe UI Symbol;margin-left:-27pt'><span style='font:11pt Segoe UI Symbol'><ix:nonNumeric name='dei:WrittenCommunications' contextRef='D200121' format='ixt-sec:boolballotbox'>&#9744;</ix:nonNumeric></span></kbd><span style='font-size:11pt'>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span>&#160;</p>
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<p style='font:10pt Times New Roman;margin:0;color:#000000'>Securities registered pursuant to Section 12(b) of the Act: </p>
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<p style='font:11pt Times New Roman;margin:0;color:#000000'><span style='font-size:11pt;color:#231F20'>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).</span></p>
<p style='font:11pt Times New Roman;margin:0;color:#000000;text-align:right'><span style='font-size:11pt;color:#231F20'>Emerging growth company </span><span style='font:11pt Segoe UI Symbol;color:#231F20'><ix:nonNumeric name='dei:EntityEmergingGrowthCompany' contextRef='D200121' format='ixt-sec:boolballotbox'>&#9744;</ix:nonNumeric></span></p>
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<p style='font:11pt Times New Roman;margin:0;color:#000000'><span style='font-size:11pt;color:#231F20'>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. </span><span style='font:11pt Segoe UI Symbol;color:#231F20'>&#9744;</span></p>
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<p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt;border-bottom:1px solid #000000'><b>Item 2.02.&#160;&#160;Results of Operations and Financial Condition</b></span></p>
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<p style='font:10pt Times New Roman;margin:0;color:#000000'><kbd style='margin-left:36pt'></kbd><span style='font-size:10pt'>On January 21, 2020, the Registrant issued a press release reporting preliminary financial results for the fourth quarter and annual earnings of the fiscal year ending December 31, 2019. 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.</span>&#160;</p>
<p style='font:12pt Times New Roman;margin:0;color:#000000'>&#160;</p>
<p style='font:12pt Times New Roman;margin:0;color:#000000'>&#160;</p>
<p style='font:12pt Times New Roman;margin:0;color:#000000'>&#160;</p>
<p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt;border-bottom:1px solid #000000'><b>Item 9.01. &#160;Financial Statements and Exhibits</b></span></p>
<p style='font:10pt Times New Roman;margin:0;color:#000000'>&#160;</p>
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</td><td valign='top' style='width:8.34%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>(d)</span></p>
</td><td colspan='2' valign='top' style='width:83.62%'><p style='font:10pt Times New Roman;margin-top:0pt;margin-bottom:12pt;color:#000000'><span style='font-size:10pt'>Exhibits</span></p>
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<tr><td valign='top' style='width:8%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>&#160;</span></p>
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</td><td valign='top' style='width:7.68%'><p style='font:12pt Times New Roman;margin:0;color:#000000'><a href='ex99z1.htm' style='text-decoration:none'><span style='font-size:10pt;color:#0000FF;border-bottom:1px solid #0000FF'>99.1</span></a></p>
</td><td valign='top'><p style='font:10pt Times New Roman;margin-top:0pt;margin-bottom:12pt;color:#000000'><span style='font-size:10pt'>Press release dated January 21, 2020</span></p>
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<hr style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'/><p style='line-height:0;margin:0'></p>
<p style='font:10pt Times New Roman;margin:0;color:#000000'>&#160;</p>
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<p style='font:10pt Times New Roman;margin:0;color:#000000;text-align:center'><span style='font-size:10pt'><b>SIGNATURES</b></span></p>
<p style='font:10pt Times New Roman;margin:0;color:#000000;text-align:center'>&#160;</p>
<p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.</span></p>
<p style='font:12pt Times New Roman;margin:0;color:#000000'>&#160;</p>
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</td><td colspan='2' valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'><b>GREAT SOUTHERN BANCORP, INC.</b></span></p>
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</td><td valign='top' style='width:5%'><p style='font:12pt Times New Roman;margin:0;color:#000000;text-align:center'>&#160;</p>
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<tr><td valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>Date:</span></p>
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</td><td valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000;text-align:center'><span style='font-size:10pt'>By:</span></p>
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</td><td valign='top' style='width:37%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>&#160;</span></p>
</td><td valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>&#160;</span></p>
</td><td valign='top' style='width:53%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>Joseph W. Turner, President&#160;</span></p>
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<tr><td valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>&#160;</span></p>
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</td><td valign='top' style='width:5%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>&#160;</span></p>
</td><td valign='top' style='width:53%'><p style='font:10pt Times New Roman;margin:0;color:#000000'><span style='font-size:10pt'>and Chief Executive Officer&#160;</span></p>
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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99z1.htm
<DESCRIPTION>PRESS RELEASE DATED JANUARY 21, 2020
<TEXT>
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<TITLE>FOR MORE INFORMATION</TITLE>
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<DIV style=margin-left:36pt;width:540pt><HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=right style='font:12pt Arial;margin:0'><B>EXHIBIT 99.1</B></P>
<P align=center style='font:12pt Arial;margin:0'><IMG src=ex99z11.jpg width=189 height=83 alt='Picture 3' title='Picture 3'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><KBD style='position:absolute;font:11pt Arial;margin-left:0pt'>January 21, 2020</KBD><KBD style=margin-left:396pt></KBD>FOR IMMEDIATE RELEASE&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>CONTACT: Kelly Polonus, Great Southern, (417) 895-5242</P>
<P style='font:11pt Arial;margin:0'><FONT style='color:#0000FF;border-bottom:1px solid #0000FF'>kpolonus@greatsouthernbank.com</FONT></P>
<P style='font:12pt Arial;margin:0'>&nbsp;</P>
<P align=center style='font:11pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Great Southern Bancorp, Inc. Reports Preliminary Fourth Quarter and </B></FONT></P>
<P align=center style='font:11pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Annual Earnings of $1.24 and $5.14 Per Diluted Common Share</B></FONT></P>
<P style='font:10pt Times New Roman;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><B>Preliminary Financial Results and Other Matters for the Quarter and Year Ended December 31, 2019: </B></P>
<P style='font:11pt Arial;margin:0'>&#160; &nbsp;&nbsp;&nbsp;&nbsp; </P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'><B>Total Loans</B></FONT><B>:</B> &nbsp;Total gross loans (including the undisbursed portion of loans), excluding FDIC-assisted acquired loans and mortgage loans held for sale, increased $99.2 million, or 2.1%, from December 31, 2018, to December 31, 2019. &nbsp;This increase was primarily in commercial real estate loans, owner occupied one- to four-family residential loans and other residential (multi-family) loans. &nbsp;These increases were partially offset by decreases in consumer auto loans and construction loans. &nbsp;Total gross loans increased $33.9 million from September 30, 2019. The FDIC-acquired loan portfolios had net decreases totaling $40.4 million during the year ended December 31, 2019. &nbsp;Outstanding net loan receivable balances increased $165.0 million, from $3.99 billion at December 31, 2018 to $4.15 billion at December 31, 2019, and decreased $2.7 million from September 30, 2019.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'><B>Asset Quality</B></FONT><B>: &nbsp;</B>Non-performing assets and potential problem loans, excluding those acquired in FDIC-assisted transactions (which are accounted for and analyzed as loan pools rather than individual loans), totaled $12.5 million at December 31, 2019, a decrease of $879,000 from $13.4 million at September 30, 2019 and a decrease of $2.6 million from $15.1 million at December 31, 2018. &nbsp;Non-performing assets at December 31, 2019 were $8.2 million (0.16% of total assets), down $820,000 from $9.0 million (0.18% of total assets) at September 30, 2019 and down $3.6 million from $11.8 million (0.25 % of total assets) at December 31, 2018. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'><B>Net Interest Income</B></FONT><B>: </B> Net interest income for the fourth quarter of 2019 increased $387,000 to $44.9 million compared to $44.6 million for the fourth quarter of 2018, and decreased $1.0 million compared to $45.9 million for the third quarter of 2019. &nbsp;Net interest margin was 3.82% for the quarter ended December 31, 2019, compared to 4.07% for the fourth quarter of 2018 and 3.95% for the quarter ended September 30, 2019. The decrease in net interest margin compared to the third quarter of 2019 was due to decreases in the average yield on loans and other interest-earning assets, partially offset by decreases in the average interest rates paid on deposits and other borrowings. &nbsp;The positive impact on net interest margin from the additional yield accretion on acquired loan pools that was recorded during the period was 19, 14 and 20 basis points for the quarters ended December 31, 2019, December 31, 2018, and September 30, 2019, respectively. &nbsp;For further discussion of the additional yield accretion of the discount on acquired loan pools, see &#8220;Net Interest Income.&#8221; &nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'><B>Capital</B></FONT><B>:</B> &nbsp;The capital position of the Company continues to be strong, significantly exceeding the thresholds established by regulators. &nbsp;On a preliminary basis, as of December 31, 2019, the Company&#8217;s Tier 1 Leverage Ratio was 11.8%, Common Equity Tier 1 Capital Ratio was 12.0%, Tier 1 Capital Ratio was 12.5%, and Total Capital Ratio was 15.0%. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Springfield, Mo. &#8211;&nbsp;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, 2019, were $1.24 per diluted common share ($17.9 million available to common shareholders) compared to $1.21 per diluted common share ($17.3 million available to common shareholders) for the three months ended December 31, 2018. &nbsp;</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>1</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'>Preliminary earnings for the year ended December 31, 2019, were $5.14 per diluted common share ($73.6 million available to common shareholders) compared to $4.71 per diluted common share ($67.1 million available to common shareholders) for the year ended December 31, 2018. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the quarter ended December 31, 2019, annualized return on average common equity was 11.78%, return on average assets was 1.44%, and net interest margin was 3.82%, compared to 13.34%, 1.50% and 4.07%, respectively, for the quarter ended December 31, 2018. &nbsp;For the year ended December 31, 2019, annualized return on average common equity was 12.88%, return on average assets was 1.52%, and net interest margin was 3.95%, compared to 13.46%, 1.49% and 3.99%, respectively, for the year ended December 31, 2018. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>President and CEO Joseph W. Turner commented, &#8220;We are pleased overall with fourth quarter results as earnings remained strong even as we experienced moderate sluggishness in commercial loan demand. For the full year 2019 we achieved the highest annual net income and earnings per share in the history of our Company, which underscores the hard work and commitment of our more than 1,200 associates. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&#8220;Return on average assets, return on average common equity and efficiency ratio were all favorable for the fourth quarter at 1.44%, 11.78%, and 56.11%, respectively. Capital remained strong and our book value per share continued to grow. Reflecting our strong financial position, we were pleased to declare a fourth quarter dividend of $0.34 per share in December 2019 and a special cash dividend of $1.00 per share in mid-January 2020. &nbsp;Credit quality metrics remained strong with historically low levels of non-performing assets. &nbsp;In the fourth quarter our net charge-offs were $762,000, with over half of that amount from our automobile loan portfolio.</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&#8220;As anticipated, we experienced some margin compression during the quarter. Strong pricing competition for loans and deposits continues in most of our markets. Reported net interest margin was 3.82% in the fourth quarter of 2019, compared to 3.95% in the third quarter of 2019 and 4.07% in the 2018 fourth quarter. Compared to the 2019 third quarter, compression in our margin was caused primarily by decreases in the average yield on loans and other interest-earning assets (due primarily to decreases in market interest rates in the third and fourth quarters), partially offset by decreases in average interest rates on deposits and other borrowings.&#8221; &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Times New Roman;margin:0'><FONT style='font:11pt Arial'>Turner continued, &#8220;Total gross loan balances, which include unfunded loans, increased $99 million from the end of 2018, and grew $34 million from the end of the third quarter of 2019. Loan growth was primarily in commercial real estate loans, owner-occupied one- to four-family residential loans and multi-family loans. &nbsp;Outstanding net loan receivable balances increased $165 million from the end of 2018 and our loan pipeline remains strong across the franchise.&#8221;</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11.5pt Arial;margin:0'><FONT style=font-size:11.5pt><B>Selected Financial Data: </B></FONT></P>
<TABLE style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>(In thousands, except per share data)</P>
</TD><TD colspan=5 valign=bottom style=width:25.48%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:27.84%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2019</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2018</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2019</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2018</P>
</TD></TR>
<TR style=height:17.05pt><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Net interest income</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>44,943</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>44,556</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>180,392</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>168,192</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Provision for loan losses</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>650</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,950</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>6,150</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>7,150</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Non-interest income</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>7,694</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>7,220</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>30,957</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>36,218</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Non-interest expense</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'> 29,536</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.52%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'> 28,773</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'> 115,138</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.74%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'> 115,310</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Provision for income taxes</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,559</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,765</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>16,449</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,841</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Net income and net income available to </P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;common shareholders</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,892</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,288</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>73,612</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>67,109</P>
</TD></TR>
<TR style=height:4pt><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:44.18%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>Earnings per diluted common share</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.24</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.6%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.52%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.21</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5.14</P>
</TD><TD valign=bottom style=width:1.26%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.74%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4.71</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>NET INTEREST INCOME</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Net interest income for the fourth quarter of 2019 increased $387,000 to $44.9 million compared to $44.6 million for the fourth quarter of 2018. &nbsp;Net interest margin was 3.82% in the fourth quarter of 2019, compared to 4.07% in the same period of 2018, a decrease of 25 basis points. &nbsp;For the three months ended December 31, 2019, the net interest margin decreased 13 basis points compared to the net interest margin of 3.95% in the three months ended September 30, 2019. &nbsp;The decrease in the margin from the prior year fourth quarter was primarily the result of an increase in the average interest rates paid on deposits and other borrowings, as well </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>2</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>as decreases in the average yield on loans and other interest-earning assets. &nbsp;The decrease in the margin from the three months ended September 30, 2019, was primarily due to decreases in the average yield on loans and other interest-earning assets, partially offset by decreases in average interest rates paid on deposits and other borrowings. The average interest rate spread was 3.49% for the three months ended December 31, 2019, compared to 3.79% for the three months ended December 31, 2018 and 3.61% for the three months ended September 30, 2019.</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Net interest income for the year ended December 31, 2019 increased $12.2 million to $180.4 million compared to $168.2 million for the year ended December 31, 2018. &nbsp;Net interest margin was 3.95% for the year ended December 31, 2019, compared to 3.99% for 2018, a decrease of four basis points. &nbsp;The average interest rate spread was 3.62% for the year ended December 31, 2019, compared to 3.75% for the year ended December 31, 2018.</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>In October 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. &nbsp;The notional amount of the swap is $400 million with a termination date in October 2025. &nbsp;Under the terms of the swap, the Company receives a fixed rate of interest of 3.018% and pays a floating rate of interest equal to one-month USD-LIBOR. &nbsp;The floating rate resets monthly and net settlements of interest due to/from the counterparty also occur monthly. &nbsp;The initial floating rate of interest was set at 2.277%, with monthly adjustments to the floating rate occurring after that time. &nbsp;To the extent that the fixed rate continues to exceed one-month USD-LIBOR, the Company will receive net interest settlements, which will be recorded as loan interest income. &nbsp;If one-month USD-LIBOR exceeds the fixed rate of interest in future periods, the Company will be required to pay net settlements to the counterparty and will record those net payments as a reduction of interest income on loans. &nbsp;The Company recorded loan interest income related to this swap transaction of $1.2 million and $3.1 million, respectively, in the three months and year ended December 31, 2019.</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The Company&#8217;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 FDIC-assisted transactions. On an ongoing 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). &nbsp;Additional estimated cash flows (reclassification of discounts from non-accretable to accretable) totaling approximately $1.9 million and $12.3 million were recorded in the three months and year ended December 31, 2019, respectively, related to these loan pools. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The impact to income of adjustments on all portfolios acquired in FDIC-assisted transactions for the reporting periods presented is shown below:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE align=center style=border-collapse:collapse;width:453.6pt><TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:237.1pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style='width:115.2pt;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December 31, 2019</B></P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style='width:115.2pt;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December 31, 2018</B></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=6 valign=bottom style=width:237.6pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>(In thousands, except basis points data)</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>Impact on net interest income/<BR>net interest margin (in basis points)</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:1px solid #000000'>2,271</FONT></P>
</TD><TD valign=bottom style=width:43.2pt><P align=center style='font:9pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>19 bps</FONT></P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:1px solid #000000'>1,482</FONT></P>
</TD><TD valign=bottom style=width:43.2pt><P align=center style='font:9pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>14 bps</FONT></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:14.4pt'>Net impact to pre-tax income</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>2,271</FONT></P>
</TD><TD valign=top style=width:43.2pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>1,482</FONT></P>
</TD><TD valign=top style=width:43.2pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:237.1pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:237.1pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style='width:115.2pt;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December 31, 2019</B></P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style='width:115.2pt;padding-left:2.85pt;padding-right:2.85pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December 31, 2018</B></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>&nbsp;</P>
</TD><TD colspan=6 valign=bottom style=width:237.6pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>(In thousands, except basis points data)</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:-13.35pt;margin-left:13.35pt'>Impact on net interest income/<BR>net interest margin (in basis points)</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:1px solid #000000'>7,433</FONT></P>
</TD><TD valign=bottom style=width:43.2pt><P align=center style='font:9pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>16 bps</FONT></P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:1px solid #000000'>5,134</FONT></P>
</TD><TD valign=bottom style=width:43.2pt><P align=center style='font:9pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>12 bps</FONT></P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:216pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0;text-indent:14.4pt'>Net impact to pre-tax income</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>7,433</FONT></P>
</TD><TD valign=top style=width:43.2pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=width:6.7pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt;padding-left:2.85pt;padding-right:2.85pt><P align=center style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>5,134</FONT></P>
</TD><TD valign=top style=width:43.2pt;padding-left:2.85pt;padding-right:2.85pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Because the balance of these adjustments will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. &nbsp;The remaining accretable yield adjustment that will affect interest </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>3</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>income is $7.6 million.  Of the remaining adjustments affecting interest income, we expect to recognize $5.6 million of interest income during 2020. &nbsp;In the first quarter of 2020, we will adopt the new accounting standard related to accounting for credit losses. &nbsp;With the adoption of this standard, there will be no more reclassification of discounts from non-accretable to accretable subsequent to December 31, 2019. &nbsp;All adjustments made prior to December 31, 2019 will continue to be accreted to interest income.</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Excluding the impact of the additional yield accretion, net interest margin for the three months and year ended December 31, 2019, decreased 30 basis points when compared to the three months ended December 31, 2018 and decreased eight basis points when compared to the year ended December 31, 2018. &nbsp;The compression in our margin during the three months ended December 31, 2019, was caused primarily by higher average interest rates on deposits and borrowings and lower yields on loans due to lower LIBOR interest rates.</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For additional information on net interest income components, see the &#8220;Average Balances, Interest Rates and Yields&#8221; tables in this release. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>NON-INTEREST INCOME</FONT></P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the quarter ended December 31, 2019, non-interest income increased $474,000 to $7.7 million when compared to the quarter ended December 31, 2018, primarily as a result of the following items:</P>
<P style='font:11pt Arial;margin:0;margin-left:18pt'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Other income</FONT>: &nbsp;Other income increased $400,000 compared to the prior year quarter. &nbsp;The Company recognized approximately $222,000 in income related to interest rate swaps in the Company&#8217;s back-to-back swap program with loan customers and swap counterparties. &nbsp;The Company also recognized approximately $184,000 in income related to the exit of certain tax credit partnerships in 2019. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Net gains on loan sales</FONT>: &nbsp;Net gains on loan sales increased $612,000 compared to the prior year quarter. &nbsp;The increase was due to an increase in originations of fixed-rate loans during the 2019 period compared to the 2018 period. &nbsp;Fixed rate single-family mortgage loans originated are generally subsequently sold in the secondary market.  In 2019, the Company began originating SBA loans with the intention of selling the guaranteed portion in the secondary market. &nbsp;During the 2019 fourth quarter, a net gain on sale of $122,000 was recorded related to SBA loan sales.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Service charges and ATM fees</FONT>: &nbsp;Service charges and ATM fees decreased $494,000 compared to the prior year period. &nbsp;This decrease was primarily due to a decrease in net ATM transaction fees. &nbsp;This decrease resulted from less volume of transactions that generate such fee income and increased costs per transaction. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the year ended December 31, 2019, non-interest income decreased $5.3 million to $31.0 million when compared to the year ended December 31, 2018, primarily as a result of the following items:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Gain on sale of business units</FONT>: On July 20, 2018, the Company closed on the sale of four banking centers in the Omaha, Neb., metropolitan market. The Bank sold branch deposits of approximately $56 million and sold substantially all branch-related real estate, fixed assets and ATMs. The Company recorded a pre-tax gain of $7.4 million on the sale during the 2018 period.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Other income</FONT>: &nbsp;Other income increased $2.8 million compared to the prior year. &nbsp;This increase was primarily due to gains totaling $677,000 in 2019 from the sale of, or recovery of, receivables and assets that were acquired several years ago in FDIC-assisted transactions. &nbsp;In addition, the Company recognized approximately $1.1 million more in income as a result of the new debit card contracts than was recognized in the prior year. &nbsp;These contracts became effective at the beginning of 2019. &nbsp;The Company recognized approximately $787,000 in income related to interest rate swaps in the Company&#8217;s back-to-back swap program with loan customers and swap counterparties in 2019 compared to $50,000 in 2018. &nbsp;The Company also recognized approximately $184,000 in income related to the exit of certain tax credit partnerships in 2019. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Service charges and ATM fees</FONT>: &nbsp;Service charges and ATM fees decreased $797,000 compared to the prior year. &nbsp;This decrease was primarily due to a decrease in net ATM transaction fees and a decrease in overdraft and insufficient funds fees on customer accounts due to decreased levels of such activity. &nbsp;This decrease was partially offset by an increase in point-of-sale transaction fees due to a higher &nbsp;</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>4</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0;margin-left:36pt'><FONT style='font:11pt Arial'>volume of such transactions in 2019. &nbsp;The decrease in net ATM transaction fees resulted from less volume of transactions that generate such fee income and increased costs per transaction.</FONT></P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Net gains on loan sales</FONT>: &nbsp;Net gains on loan sales increased $819,000 compared to the prior year. This increase was primarily due to an increase in originations of fixed-rate loans during 2019 as discussed above and the Company&#8217;s origination of SBA loans where the guaranteed portion was sold in the secondary market. &nbsp;During 2019, a net gain on sale of $230,000 was recorded related to SBA loan sales. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:10pt Arial;margin:0'><FONT style='font:10pt Times New Roman;border-bottom:1px solid #000000'>NON-INTEREST EXPENSE</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the quarter ended December 31, 2019, non-interest expense increased $763,000 to $29.5 million when compared to the quarter ended December 31, 2018, primarily as a result of the following items:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Salaries and employee benefits</FONT>: &nbsp;Salaries and employee benefits increased $845,000 from the prior year quarter. &nbsp;The increase was primarily due to increased incentives in lending and operations areas, annual employee compensation merit increases and staffing additions in lending areas, including the new loan production offices opened in Atlanta and Denver in late 2018. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Insurance</FONT>: &nbsp;Insurance expense decreased $324,000 from the prior year quarter. This decrease was primarily due to a decrease in FDIC deposit insurance premiums. &nbsp;The Bank has a credit with the FDIC for a portion of premiums previously paid to the deposit insurance fund. The deposit insurance fund balance was sufficient to result in no premium being due for the three months ended December 31, 2019. The Bank&#8217;s remaining credit balance should be sufficient to result in no deposit insurance premiums for the first quarter of 2020, provided the deposit insurance fund balance remains at a sufficient level under the banking regulations. &nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Net occupancy expense</FONT>: &nbsp;Net occupancy expense increased $361,000 compared to the prior year quarter. &nbsp;This is primarily related to increased depreciation on new ATM/ITMs and ATM operating software upgrades implemented during the period.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Professional fees</FONT>: &nbsp;Professional fees decreased $449,000 from the prior year quarter. During the three months ended December 31, 2018, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. In conjunction with this derivative transaction, the Company paid a one-time fee to its advisor of $388,000.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the year ended December 31, 2019, non-interest expense decreased $172,000 to $115.1 million when compared to the year ended December 31, 2018, primarily as a result of the following items:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Times New Roman;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='font-family:Arial;border-bottom:1px solid #000000'>Expense on other real estate owned and repossessions</FONT><FONT style=font-family:Arial>: &nbsp;Expense on other real estate owned and repossessions decreased $2.7 million compared to the prior year primarily due to higher valuation write-downs of certain foreclosed assets and higher levels of expense related to consumer repossessions in the prior year. &nbsp;During 2018, valuation write-downs of certain foreclosed assets totaled approximately $3.6 million, while valuation write-downs in 2019 totaled approximately $958,000. &nbsp;&nbsp;</FONT>&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Net occupancy expense</FONT>: &nbsp;Net occupancy expense increased $589,000 in the year ended December 31, 2019 compared to the prior year. &nbsp;This is primarily related to the ATM/ITM items discussed above.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Professional fees</FONT>: &nbsp;Professional fees decreased $799,000 in the year ended December 31, 2019 compared to the prior year. &nbsp;During the year ended December 31, 2018, the Company paid a one-time fee to its advisor for the interest rate swap transaction, as described above. Legal fees also decreased as a result of fewer foreclosures and repossessions in 2019.&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Insurance</FONT>: &nbsp;Insurance decreased $659,000 from the prior year. This decrease was primarily due to a decrease in FDIC deposit insurance premiums for the last six months of 2019, as described above. &nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'><KBD style='position:absolute;font:11pt Symbol;margin-left:-18pt'><FONT style=font-family:Symbol>&#183;</FONT></KBD><FONT style='border-bottom:1px solid #000000'>Salaries and employee benefits</FONT>: &nbsp;Salaries and employee benefits increased $3.0 million from the prior year. &nbsp;This is primarily related to the salary and benefit items discussed above. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0;margin-left:36pt'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The Company&#8217;s efficiency ratio for the quarter ended December 31, 2019, was 56.11% compared to 55.57% for the same quarter in 2018.  The efficiency ratio for the year ended December 31, 2019, was 54.48% compared to 56.41% for 2018. &nbsp;The higher efficiency ratio in the 2019 three-month period was primarily due to an increase in non-interest expense. &nbsp;The decrease in the ratio for the year ended December 31, 2019 was primarily due to an increase in net interest income partially offset by a decrease in non-interest income due to </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>5</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>the gain on sale of certain branches and deposits in 2018. &nbsp;The Company&#8217;s ratio of non-interest expense to average assets was 2.38% and 2.37% for the three months and year ended December 31, 2019, respectively, compared to 2.49% and 2.56% for the three months and year ended December 31, 2018, respectively. &nbsp;The decreases in the current three month and one year period ratios were primarily due to an increase in average assets in the 2019 periods compared to the 2018 periods. &nbsp;Average assets for the quarter ended December 31, 2019, increased $343.7 million, or 7.4%, from the quarter ended December 31, 2018, primarily due to increases in loans receivable and investment securities. &nbsp;Average assets for the year ended December 31, 2019, increased $351.7 million, or 7.8%, from the year ended December 31, 2018, primarily due to increases in loans receivable and investment securities. &nbsp;</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>INCOME TAXES</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>On December 22, 2017, H.R.1, originally known as the Tax Cuts and Jobs Act (the &#8220;TCJ Act&#8221;), was signed into law. Among other things, the TCJ Act permanently lowered 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. &nbsp;The Company currently expects its effective tax rate (combined federal and state) to be approximately 17.0% to 18.5% in 2019 and future years, mainly&#160;as a result of the TCJ Act. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For the three months ended December 31, 2019 and 2018, the Company's effective tax rate was 20.3% and 17.9%, respectively. &nbsp;For the years ended December 31, 2019 and 2018, the Company's effective tax rate was 18.3% and 18.1%, respectively. &nbsp;These effective rates were lower than the statutory federal tax rate of 21%, due primarily to the utilization of certain investment tax credits and to tax-exempt investments and tax-exempt loans, which reduced the Company&#8217;s effective tax rate. &nbsp;The Company&#8217;s effective tax rate may fluctuate in future periods as it is impacted by the level and timing of the Company&#8217;s utilization of tax credits and the level of tax-exempt investments and loans and the overall level of pre-tax income. &nbsp;The Company's effective income tax rate is currently expected to continue to be less than the statutory rate due primarily to the factors noted above.</P>
<P style='font:11pt Arial;margin:0;text-indent:36pt'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>CAPITAL </FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>As of December 31, 2019, total stockholders&#8217; equity and common stockholders&#8217; equity were each $603.1 million (12.0% of total assets), equivalent to a book value of $42.29 per common share.  Total stockholders&#8217; equity and common stockholders&#8217; equity at December 31, 2018, were each $532.0 million (11.4% of total assets), equivalent to a book value of $37.59 per common share. &nbsp;At December 31, 2019, the Company&#8217;s tangible common equity to tangible assets ratio was 11.9%, compared to 11.2% at December 31, 2018.  Included in stockholders&#8217; equity at December 31, 2019 and 2018, were unrealized gains (net of taxes) on the Company&#8217;s available-for-sale investment securities and cash flow hedges (interest rate swap) totaling $32.2 million and $9.6 million, respectively. &nbsp;This increase in unrealized gains primarily resulted from lower market interest rates which increased the fair value of the derivatives and investment securities. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>On a preliminary basis, as of December 31, 2019, the Company&#8217;s Tier 1 Leverage Ratio was 11.8%, Common Equity Tier 1 Capital Ratio was 12.0%, Tier 1 Capital Ratio was 12.5%, and Total Capital Ratio was 15.0%. &nbsp;On December 31, 2019, and on a preliminary basis, the Bank&#8217;s Tier 1 Leverage Ratio was 12.3%, Common Equity Tier 1 Capital Ratio was 13.1%, Tier 1 Capital Ratio was 13.1%, and Total Capital Ratio was 14.0%. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>During the three months ended December 31, 2019, the Company did not repurchase any shares of its common stock and declared a regular cash dividend of $0.34 per common share. &nbsp;In January 2020, the Company declared a special cash dividend of $1.00 per common share, payable on February 10, 2020, to shareholders of record as of January 27, 2020. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>LOANS</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Total gross loans (including the undisbursed portion of loans), excluding FDIC-assisted acquired loans and mortgage loans held for sale, increased $99.2 million, or 2.1%, from December 31, 2018, to December 31, 2019. &nbsp;This increase was primarily in commercial real estate loans ($123 million), owner occupied one- to four-family residential loans ($110 million) and other residential (multi-family) loans ($81 million). &nbsp;These increases </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>6</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>were partially offset by decreases in construction loans ($88 million) and consumer auto loans ($102 million). &nbsp;Total gross loans increased $33.9 million from September 30, 2019. The FDIC-acquired loan portfolios had net decreases totaling $40 million during the year ended December 31, 2019.  Outstanding net loan receivable balances increased $165.0 million, from $3.99 billion at December 31, 2018 to $4.15 billion at December 31, 2019, and decreased $2.7 million from September 30, 2019.</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Loan commitments and the unfunded portion of loans at the dates indicated were as follows (in thousands): </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:539.1pt;margin-left:-4.5pt><TR style=height:16.3pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0;margin-left:-15.9pt;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style='width:57.6pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>December</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2019</B></P>
</TD><TD valign=bottom style='width:57.6pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>September</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2019</B></P>
</TD><TD valign=bottom style='width:57.6pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>June</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2019</B></P>
</TD><TD valign=bottom style='width:57.6pt;white-space:nowrap;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>March</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2019</B></P>
</TD><TD valign=bottom style='width:57.6pt;white-space:nowrap;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>December</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2018</B></P>
</TD><TD valign=bottom style='width:57.6pt;white-space:nowrap;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0;color:#000000'><B>December</B></P>
<P align=center style='font:8pt Arial;margin:0;color:#000000'><B>2017</B></P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'><B>Closed loans with unused available lines</B></P>
</TD><TD valign=bottom style='width:57.6pt;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style='width:57.6pt;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style='width:57.6pt;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style='width:57.6pt;white-space:nowrap;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style='width:57.6pt;white-space:nowrap;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=top style='width:57.6pt;white-space:nowrap;border-top:0.5pt solid #000000'><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (one- to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>$155,831</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>$152,828</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>$153,871</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>$154,400</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>$150,948</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>$133,587</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (not one- to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>19,512</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>20,003</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>13,237</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>10,450</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>11,063</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>10,836</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Not secured by real estate - commercial business</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>83,782</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>92,095</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>80,887</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>83,520</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>87,480</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>113,317</P>
</TD></TR>
<TR style=height:9pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'>&#160;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'><B>Closed construction loans with unused</B></P>
<P style='font:8pt Arial;margin:0'><B> &nbsp;&nbsp;&nbsp;&nbsp;available lines</B></P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (one-to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>48,213</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>38,323</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>28,023</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>33,818</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>37,162</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>20,919</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (not one-to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>798,810</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>773,375</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>818,047</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>831,155</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>906,006</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>718,277</P>
</TD></TR>
<TR style=height:9pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'>&#160;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'><B>Loan commitments not closed</B></P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (one-to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>69,295</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>55,989</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>49,694</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>36,945</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>24,253</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>23,340</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Secured by real estate (not one-to four-family)</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>92,434</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>176,138</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'>110,647</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>134,607</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>104,871</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'>156,658</P>
</TD></TR>
<TR style=height:13.45pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;Not secured by real estate - commercial business</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:9pt Arial;margin:0;color:#000000'><FONT style='font-size:9pt;border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8212;</FONT></P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'><FONT style='border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,535</FONT></P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0;color:#000000'><FONT style='border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,535</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:9pt Arial;margin:0;color:#000000'><FONT style='font-size:9pt;border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#8212;</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'><FONT style='border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;405</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0;color:#000000'><FONT style='border-bottom:1px solid #000000'>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,870</FONT></P>
</TD></TR>
<TR style=height:9pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0'><B>&#160;</B></P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD></TR>
<TR style=height:12.6pt><TD valign=bottom style=width:193.5pt;white-space:nowrap><P style='font:8pt Arial;margin:0;color:#000000'>&nbsp;</P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,267,877</FONT></P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,313,286</FONT></P>
</TD><TD valign=bottom style=width:57.6pt><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,258,941</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,284,895</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,322,188</FONT></P>
</TD><TD valign=bottom style=width:57.6pt;white-space:nowrap><P align=right style='font:8pt Arial;margin:0'><FONT style='border-bottom:3px double #000000'>$1,181,804</FONT></P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>For further information about the Company&#8217;s loan portfolio, please see the quarterly loan portfolio presentation available on the Company&#8217;s Investor Relations website under &#8220;Presentations.&#8221; &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>PROVISION FOR LOAN LOSSES AND ALLOWANCE FOR LOAN LOSSES</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Times New Roman;margin:0;color:#000000'><FONT style='font:11pt Arial'>Management records a provision for loan losses in an amount it believes is 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. &nbsp;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.</FONT></P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;color:#000000'>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 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.</P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;color:#000000'>The provision for loan losses for the quarter ended December 31, 2019 was $650,000 compared with $2.0 million for the quarter ended December 31, 2018. &nbsp;The provision for loan losses for the year ended December 31, 2019 was $6.2 million compared with $7.2 million for the year ended December 31, 2018. &nbsp;At December 31, 2019 and 2018, the allowance for loan losses was $40.3 million and $38.4 million, respectively. &nbsp;Total net charge-offs were $762,000 and $1.0 million for the three months ended December 31, 2019 and 2018, respectively. &nbsp;During the quarter ended December 31, 2019, $428,000 of the $762,000 of net charge-offs were in the consumer auto category. Total net charge-offs were $4.3 million and $5.2 million for the year ended December 31, 2019 and 2018, respectively. &nbsp;During the year ended December 31, 2019, $2.9 million of the </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>7</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0;color:#000000'><FONT style='font:11pt Arial'>$4.3 million of net charge-offs were in the consumer auto category. In addition, two unrelated commercial loan relationships were responsible for $560,000 of the total net charge-offs during the year ended December 31, 2019. &nbsp;In response to a more challenging consumer credit environment, the Company tightened its underwriting guidelines on automobile lending in the latter part of 2016. &nbsp;Management took this step in an effort to improve credit quality in the portfolio and reduce 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 continued to decline in the year ended December 31, 2019.&#160; We have seen and expect to continue to see more rapid reductions in the automobile loan outstanding balance as we determined in February 2019 to cease providing indirect lending services to automobile dealerships. &nbsp;At December 31, 2019, indirect automobile loans totaled approximately $110 million. &nbsp;We expect this total balance will be largely paid off in the next two years. &nbsp;General market conditions and unique circumstances related to individual borrowers and projects contributed to the level of provisions and charge-offs. &nbsp;Collateral and repayment evaluations of all assets categorized as potential problem loans, non-performing loans or foreclosed assets were completed with corresponding charge-offs or reserve allocations made as appropriate.  &nbsp;</FONT></P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;color:#000000'>In June 2017, the loss sharing agreements with the FDIC for Inter Savings Bank were terminated. &nbsp;In April 2016, the loss sharing agreements with the FDIC 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 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.</P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;color:#000000'>The Bank&#8217;s allowance for loan losses as a percentage of total loans, excluding FDIC-acquired loans, was 1.00%, 0.98% and 0.99% at December 31, 2019, December 31, 2018 and September 30, 2019, respectively.  Management considers the allowance for loan losses adequate to cover losses inherent in the Bank&#8217;s loan portfolio at December 31, 2019, based on recent reviews of the Bank&#8217;s loan portfolio and current economic conditions. If economic conditions were to deteriorate or management&#8217;s assessment of the loan portfolio were to change, it is possible that additional loan loss provisions would be required, thereby adversely affecting the Company&#8217;s future results of operations and financial condition. </P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;color:#000000'><FONT style='border-bottom:1px solid #000000'>ASSET QUALITY </FONT></P>
<P style='font:11pt Arial;margin:0;color:#000000'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>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. &nbsp;The performance of the loan pools acquired in each of the five transactions has been better than expectations as of the acquisition dates. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>As a result of changes in balances and composition of the loan portfolio, changes in economic and market conditions and other factors specific to a borrower&#8217;s circumstances, the level of non-performing assets will fluctuate. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Non-performing assets, excluding all FDIC-assisted acquired assets, at December 31, 2019 were $8.2 million, a decrease of $3.6 million from $11.8 million at December 31, 2018 and a decrease of $820,000 from $9.0 million at September 30, 2019.  Non-performing assets, excluding all FDIC-assisted acquired assets, as a percentage of total assets were 0.16% at December 31, 2019, compared to 0.25% at December 31, 2018 and 0.18% at September 30, 2019. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Compared to December 31, 2018, non-performing loans decreased $1.8 million to $4.5 million at December 31, 2019, and foreclosed assets decreased $1.8 million to $3.7 million at December 31, 2019.  Compared to </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>8</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>September 30, 2019, non-performing loans decreased $147,000 to $4.5 million at December 31, 2019, and foreclosed assets decreased $673,000 to $3.7 million at December 31, 2019. &nbsp;Non-performing one- to four-family residential loans comprised $1.4 million, or 30.5%, of the total non-performing loans at December 31, 2019, a decrease of $100,000 from September 30, 2019. Non-performing commercial business loans comprised $1.2 million, or 27.3%, of the total non-performing loans at December 31, 2019, a decrease of $10,000 from September 30, 2019. &nbsp;Non-performing consumer loans comprised $1.3 million, or 28.2%, of the total non-performing loans at December 31, 2019, an increase of $51,000 from September 30, 2019. &nbsp;Non-performing commercial real estate loans comprised $632,000, or 14.0%, of the total non-performing loans at December 31, 2019, a decrease of $5,000 from September 30, 2019. &nbsp;&nbsp;</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Compared to September 30, 2019, potential problem loans decreased $59,000 and remained at $4.4 million at December 31, 2019. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Activity in the non-performing loans category during the quarter ended December 31, 2019, was as follows:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
</DIV>
<DIV style=margin-left:28.8pt;width:554.4pt><P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:100%><TR style=height:40.5pt><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.9%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Beginning</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>October 1</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Additions</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>to Non-</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Performing</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Removed</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>from Non-</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Performing</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.08%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Transfers</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>to Potential</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Problem</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Loans</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.12%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Transfers to</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Foreclosed</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Assets and</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Repossessions</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.38%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Charge-</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Offs</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.92%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Payments</B></P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.06%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Ending</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>December 31</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=22 valign=bottom style=width:81.94%;padding-left:0.7pt;padding-right:0.7pt><P align=center style='font:8pt Arial;margin:0'><B>(In thousands)</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>One- to four-family</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:12.12%><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Subdivision</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction </P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Land development</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>83</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>(83)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Commercial</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction </P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>One- to four-family</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;residential</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>1,479</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>364</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>(291)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>(173)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>1,379</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Other residential</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Commercial real estate</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>637</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>(5)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>632</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Commercial business</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>1,245</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>14</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.9%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.08%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.12%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.38%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.92%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>(24)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.06%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>1,235</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Consumer</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>1,222</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>321</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.08%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.12%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.38%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(45)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.92%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(225)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.06%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>1,273</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.9%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.08%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.12%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.38%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.92%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.06%;padding-left:0.7pt;padding-right:0.7pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:4.15pt><TD valign=bottom style=width:16.88%;padding-left:0.7pt;padding-right:0.7pt><P style='font:8pt Arial;margin:0'>Total </P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>4,666</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>699</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.9%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>__&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.08%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.12%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(291)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:6.38%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(45)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.92%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(510)</P>
</TD><TD valign=bottom style=width:0.34%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.18%;padding-left:0.7pt;padding-right:0.7pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.06%;padding-left:0.7pt;padding-right:0.7pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>4,519</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
</DIV>
<DIV style=margin-left:36pt;width:540pt><P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>At December 31, 2019, the non-performing commercial business category included four loans, one of which was added during the current quarter. &nbsp;The largest relationship in this category, which was added during 2018, totaled $1.1 million, or 85.7% of the total category. &nbsp;This relationship is collateralized by an assignment of an interest in a real estate project. &nbsp;The non-performing one- to four-family residential category included 23 loans, six of which were added during the current quarter. &nbsp;The largest relationship in the category totaled $158,000, or 11.5% of the total category. &nbsp;The non-performing commercial real estate category included 3 loans, none of which were added during the current quarter. &nbsp;The largest relationship in the category totaled $530,000, or 83.9% of the total category. &nbsp;The non-performing consumer category included 111 loans, 26 of which were added during the current quarter, and the majority of which are indirect used automobile loans.</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>9</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'>Activity in the potential problem loans category during the quarter ended December 31, 2019, was as follows:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
</DIV>
<DIV style=margin-left:28.8pt;width:554.4pt><P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE align=center style=border-collapse:collapse;width:100%><TR style=height:34.15pt><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.42%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Beginning</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>October 1</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Additions to</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Potential</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Problem</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Removed</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>from</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Potential</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Problem</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Transfers</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>to Non-</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Performing</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Transfers to</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Foreclosed</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Assets and</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Repossessions</B></P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Charge-</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Offs</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Payments</B></P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Ending</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>December 31</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=22 valign=top style=width:82.48%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'><B>(In thousands)</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>One- to four-family</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Subdivision</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction </P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Land development</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR style=height:5.85pt><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Commercial</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;construction </P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>One- to four-family</P>
<P style='font:8pt Arial;margin:0'> &nbsp;&nbsp;residential</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>826</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>9</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(30)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(14)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>791</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Other residential</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Commercial real estate</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>3,334</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(256)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>3,078</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Commercial business</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.42%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.38%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.28%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.72%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Consumer</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>280</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>288</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(7)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(2)</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(21)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(26)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>512</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.42%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.4%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.64%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.28%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.72%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:16.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>Total </P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.42%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>4,440</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.4%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>297</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(30)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.64%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(7)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:11.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(2)</P>
</TD><TD valign=top style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:6.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(21)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.72%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(296)</P>
</TD><TD valign=bottom style=width:0.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.4%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>4,381</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
</DIV>
<DIV style=margin-left:36pt;width:540pt><P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>At December 31, 2019, the commercial real estate category of potential problem loans included two loans, one of which was added during the first quarter of 2019. &nbsp;The largest relationship in this category (added during 2018), which totaled $1.8 million, or 60.0% of the total category, is collateralized by a mixed use commercial retail building. &nbsp;Payments were current on this relationship at December 31, 2019. The other relationship in the category (added during the first quarter 2019), which totaled $1.2 million, or 40.0% of the total category, is collateralized by a commercial retail building. &nbsp;Payments were current at December 31, 2019 and principal payments totaling $204,000 were received during the quarter. &nbsp;The one- to four-family residential category of potential problem loans included 16 loans, one of which was added during the current quarter. The consumer category of potential problem loans included 55 loans, 30 of which were added during the current quarter. &nbsp; </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Activity in foreclosed assets and repossessions during the quarter ended December 31, 2019, excluding $1.0 million in foreclosed assets related to loans acquired in FDIC-assisted transactions and $871,000 in properties which were not acquired through foreclosure, was as follows:</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE align=center style=border-collapse:collapse;width:100%><TR style=height:34.15pt><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.56%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Beginning</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>October 1</B></P>
</TD><TD valign=bottom style='width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style='width:1.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Additions</B></P>
</TD><TD colspan=2 valign=bottom style='width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>ORE and</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Repossession</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Sales</B></P>
</TD><TD valign=bottom style='width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Capitalized</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Costs</B></P>
</TD><TD valign=bottom style='width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.86%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>ORE and</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Repossession</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Write-Downs</B></P>
</TD><TD valign=bottom style='width:0.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.6%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.88%;border-bottom:0.5pt solid #000000'><P align=center style='font:8pt Arial;margin:0'><B>Ending</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>Balance,</B></P>
<P align=center style='font:8pt Arial;margin:0'><B>December 31</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style=width:10.06%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=12 valign=bottom style=width:53.96%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:8pt Arial;margin:0'><B>(In thousands)</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>One-to four-family construction</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin-top:12pt;margin-bottom:0pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin-top:12pt;margin-bottom:0pt'>$</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin-top:12pt;margin-bottom:0pt'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Subdivision construction </P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>755</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>9</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(75)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>689</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Land development</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>2,594</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(686)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>&#8212;</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>(92)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>1,816</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Commercial construction</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>&#8212;</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>One- to four-family residential</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>310</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>291</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>601</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Other residential</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>&#8212;</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Commercial real estate</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Commercial business</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.56%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>&#8212;</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:11.86%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:10.88%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:-7.2pt;margin-left:7.2pt'>Consumer</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.56%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>665</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>679</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>(799)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Times New Roman;margin:0'><FONT style=font-family:Arial>&#8212;</FONT></P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>545</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.56%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:11.86%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:10.88%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:24.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:8pt Arial;margin:0;text-indent:14.4pt'>Total </P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.56%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>4,324</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:1.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>970</P>
</TD><TD colspan=2 valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(1,485)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:9.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>9</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:11.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>(167)</P>
</TD><TD valign=bottom style=width:0.7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.6%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:8pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:10.88%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:8pt Arial;margin:0'>3,651</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>At December 31, 2019, the land development category of foreclosed assets included three properties, the largest of which was located in the Branson, Mo. area and had a balance of $768,000, or 42.3% of the total category. &nbsp;Of the total dollar amount in the land development category of foreclosed assets, 70.3% was located in the Branson, Mo. area, including the largest property mentioned. &nbsp;Two properties in this category were sold during the three months ended December 31, 2019. &nbsp;The subdivision construction category of foreclosed assets included three properties, the largest of which was located in the Branson, Mo. area and had a balance of $350,000, or 50.8% of the total category.  Of the total dollar amount in the subdivision construction category of foreclosed assets, 90.0% is located in Branson, Mo., including the largest property mentioned in the preceding sentence. &nbsp;The one- to four-family category of foreclosed assets included two properties, one of which was added during the quarter with a balance of $291,000.  The amount of additions and sales in the </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>10</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='font:11pt Arial'>consumer loans category are due to the volume of repossessions of automobiles, which generally are subject to a shorter repossession process. &nbsp;The Company experienced increased levels of delinquencies and repossessions in indirect and used automobile loans throughout 2016 and 2017. &nbsp;The level of delinquencies and repossessions in indirect and used automobile loans generally decreased in 2018 and 2019, though potential problem loans in this category increased in 2019, as indicated above. &nbsp;</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>BUSINESS INITIATIVES</FONT></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The Company&#8217;s retail online banking platform and mobile banking application are currently being upgraded to enhance customer functionality and convenience. The new platform and app are expected to be available to customers during the second quarter of 2020.</P>
<P style='font:11pt Arial;margin:0'> &nbsp;</P>
<P style='font:11pt Arial;margin:0'>A transition to a new debit card payment processing vendor is expected to be completed by the end of January 2020. The move to MasterCard as the payment processing partner is expected to allow for more streamlined processing of debit card transactions and the ability to respond faster to advancing technology. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The Company&#8217;s retail banking center network continues to evolve. A third-party vendor has been engaged to analyze all banking center facilities and the in-branch customer experience to ensure that this physical access channel is efficiently evolving with customer preferences. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>Several banking center improvement projects began or were already underway during the fourth quarter of 2019. In the Parsons, Kan. market, remodeling is proceeding on the downtown office at 1900 Main, which includes the addition of drive-through banking lanes. Once completed in mid-2020, the nearby drive-through facility located at 1727 Corning will be consolidated into the downtown office, leaving one office serving the Parsons market. In the Joplin market, the Company recently purchased a banking facility vacated by another financial institution. This facility is located in close proximity to other current Great Southern banking centers.  After a contractual black-out period that ends in April 2021, the Company expects to consolidate some of these existing operations into the purchased facility, which provides better customer accessibility. In the Kansas City metropolitan market, a banking center in Prairie Village has been remodeled to provide better access for customers. The two-story office in Rogers, Ark., is currently being remodeled to move the commercial lending offices from the second floor to space adjacent to the retail banking center offices on the first floor. The space vacated on the second floor is expected to be leased to third parties. Four other third-party tenants also lease space in this facility. &nbsp;The banking center at 1701 W. Jackson in Ozark, Mo. is undergoing construction to reconfigure excess space to be leased to third parties. &nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'>The Company will host a conference call on Wednesday, January 22, 2020, at 2:00 p.m. Central Time (3:00 p.m. Eastern Time) to discuss fourth quarter 2019 preliminary earnings. Individuals interested in listening to the conference call may dial 1.833.832.5121 and enter the passcode 4492908. The call will be available live or in a recorded version at the Company&#8217;s Investor Relations website, <FONT style='color:#0000FF;border-bottom:1px solid #0000FF'>http://investors.greatsouthernbank.com</FONT>. &nbsp;&nbsp;</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0;background-color:#FFFFFF'>Headquartered in Springfield, Mo., Great Southern offers a broad range of banking services to customers. The Company operates 97 retail banking centers in Missouri, Iowa, Kansas, Minnesota, Arkansas and Nebraska and commercial lending offices in Atlanta, Chicago, Dallas, Denver, Omaha, Neb., and Tulsa, Okla. The common stock of Great Southern Bancorp, Inc. is listed on the Nasdaq Global Select Market under the symbol &quot;GSBC.&quot;</P>
<P style='font:10pt Times New Roman;margin:0'>&nbsp;</P>
<P style='font:11pt Arial;margin:0'><FONT style='color:#0000FF;border-bottom:1px solid #0000FF'><B><I>www.GreatSouthernBank.com</I></B></FONT></P>
<P style='font:9pt Arial;margin:0'>&nbsp;</P>
<P style='font:9pt Arial;margin:0'>&nbsp;</P>
<P style='font:9pt Arial;margin:0'><B>Forward-Looking Statements</B></P>
<P style='font:9pt Arial;margin:0'>&nbsp;</P>
<P style='font:8pt Arial;margin:0;background-color:#FFFFFF'>When used in this press release and in other documents filed or furnished by Great Southern Bancorp, Inc. (the &#8220;Company&#8221;) with the Securities and Exchange Commission (the &quot;SEC&quot;), in the Company's 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 &quot;will likely result,&quot; &quot;are expected to,&quot; &quot;will continue,&quot; &quot;is anticipated,&quot; &quot;estimate,&quot; &quot;project,&quot; &quot;intends&quot; or similar expressions are intended to identify &quot;forward-looking statements&quot; 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) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Company's&#160; merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (ii) changes in economic conditions, either nationally or in the Company's market areas; (iii) fluctuations in interest rates; (iv) 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 </P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>11</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:8pt Arial;margin:0;background-color:#FFFFFF'><FONT style='font:8pt Arial'>adequacy of the allowance for loan losses; (v) the possibility of other-than-temporary impairments of securities held in the Company's securities portfolio; (vi) the Company's ability to access cost-effective funding; (vii) fluctuations in real estate values and both residential and commercial real estate market conditions; (viii) demand for loans and deposits in the Company's market areas; (ix) the ability to adapt successfully to technological changes to meet customers' needs and developments in the marketplace; (x) 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; (xi) 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 Reform Legislation; (xii) changes in accounting principles, policies or guidelines; (xiii) monetary and fiscal policies of the Federal Reserve Board and the U.S. Government and other governmental initiatives affecting the financial services industry; (xiv) results of examinations of the Company and Great Southern Bank by their regulators, including the possibility that the regulators may, among other things, require the Company to limit its business activities, change 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; (xv) costs and effects of litigation, including settlements and judgments; and (xvi) 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.</FONT></P>
<P style='font:8pt Arial;margin:0;background-color:#FFFFFF'>&nbsp;</P>
<P style='font:8pt Arial;margin:0;background-color:#FFFFFF'>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.</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>12</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:10pt Arial;margin:0'><FONT style=font-size:10pt>The following tables set forth certain selected consolidated financial information of the Company at the dates and for the periods indicated. &nbsp;Financial data at all dates and for all periods is unaudited. &nbsp;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. &nbsp;The results of operations and other data for the three months and years ended December 31, 2019 and 2018, and the three months ended September 30, 2019, are not necessarily indicative of the results of operations which may be expected for any future period. &nbsp;</FONT></P>
<P style='font:11pt Times New Roman;margin:0;margin-left:9pt'>&nbsp;</P>
<TABLE style=border-collapse:collapse;margin-left:14.4pt><TR><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD><TD valign=top style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2018</B></FONT></P>
</TD></TR>
<TR><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B> Selected Financial Condition Data:</B></FONT></P>
</TD><TD colspan=5 valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>(In thousands)</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Total assets</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,015,072</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$4,676,200</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Loans receivable, gross</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,201,380</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,034,810</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Allowance for loan losses</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>40,294</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>38,409</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Other real estate owned, net</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,525</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,440</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Available-for-sale securities, at fair value</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>374,175</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>243,968</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Deposits</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,960,106</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,725,007</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Total borrowings</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>412,374</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>397,594</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-45pt;margin-left:54pt;margin-right:14.4pt'>Total common stockholders&#8217; equity</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>603,066</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>531,977</P>
</TD></TR>
<TR><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:20.15pt;margin-right:14.4pt'>Non-performing assets (excluding FDIC-assisted transaction assets)</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,170</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=top style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>11,780</P>
</TD></TR>
</TABLE>
<P style='font:9pt Times New Roman;margin-top:0pt;margin-bottom:0.95pt;margin-left:9.35pt'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:22.36%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:21.88%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Three Months</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>Ended</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=4 valign=bottom style=width:20.14%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=width:21.88%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>September 30,</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2018</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2018</B></P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Selected Operating Data:</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=13 valign=bottom style=width:61.18%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>(Dollars in thousands, except per share data)</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest income</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>58,726</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>56,140</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>234,994</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>205,949</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>60,187</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest expense</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>13,783</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>11,584</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>54,602</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>37,757</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,263</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net interest income</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>44,943</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>44,556</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>180,392</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>168,192</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>45,924</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Provision for loan losses</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>650</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,950</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>6,150</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,150</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,950</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest income</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,694</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,220</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>30,957</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>36,218</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,655</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest expense</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>29,536</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>28,773</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>115,138</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>115,310</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:15.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>28,725</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Provision for income taxes</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,559</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,765</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>16,449</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,841</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,172</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net income and net income available</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;to common shareholders</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,892</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,288</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>73,612</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>67,109</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>19,732</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.6%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.9%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.22%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.94%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:15.66%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
</TABLE>
<P style='font:9pt Times New Roman;margin-top:0pt;margin-bottom:0.95pt;margin-left:9.35pt'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:531pt;margin-left:14.4pt><TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:117pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>At or For the Three</B></FONT></P>
<P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Months Ended</B></FONT></P>
</TD><TD colspan=2 valign=bottom style=width:117pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>At or For the </B></FONT></P>
<P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Year Ended</B></FONT></P>
</TD><TD valign=bottom style=width:72pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>At or For the Three Months Ended</B></FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD colspan=2 valign=bottom style=width:117pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
</TD><TD colspan=2 valign=bottom style=width:117pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
</TD><TD valign=bottom style=width:72pt><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>September 30,</B></FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Times New Roman;margin:0;text-indent:-10.8pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:58.5pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD><TD valign=bottom style='width:58.5pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2018</B></FONT></P>
</TD><TD valign=bottom style='width:58.5pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD><TD valign=bottom style='width:58.5pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2018</B></FONT></P>
</TD><TD valign=bottom style='width:72pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Per Common Share:</B></FONT></P>
</TD><TD colspan=5 valign=bottom style=width:306pt><P align=center style='font:9pt Arial;margin:0'>(Dollars in thousands, except per share data)</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Times New Roman;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=top style=width:58.5pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=top style=width:58.5pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Net income (fully diluted)</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$&#160;&#160;<FONT style='border-bottom:3px double #000000'>1.24</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$&#160;&#160;<FONT style='border-bottom:3px double #000000'>1.21</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$&#160;&#160;<FONT style='border-bottom:3px double #000000'>5.14</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$&#160;&#160;<FONT style='border-bottom:3px double #000000'>4.71</FONT></P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>$&#160;&#160;<FONT style='border-bottom:3px double #000000'>1.38</FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Book value</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>42.29</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>37.59</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>42.29</FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>37.59</FONT></P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>$<FONT style='border-bottom:3px double #000000'>41.98</FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>Earnings Performance Ratios:</B></FONT></P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Annualized return on average assets</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.44%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.50%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.52%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.49%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>1.61%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt;padding-left:5.75pt><P style='font:9pt Arial;margin:0;text-indent:-41.75pt;margin-left:54.7pt'>Annualized return on average</P>
<P style='font:9pt Arial;margin:0;text-indent:-41.75pt;margin-left:54.7pt'> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;common stockholders&#8217; equity</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>11.78%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>13.34%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>12.88%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>13.46%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>13.46%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Net interest margin</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.82%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>4.07%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.95%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.99%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>3.95%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Average interest rate spread</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.49%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.79%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.62%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>3.75%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>3.61%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Efficiency ratio</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>56.11%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>55.57%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>54.48%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>56.41%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>52.63%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Non-interest expense to average total assets</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>2.38%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>2.49%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>2.37%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>2.56%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>2.34%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD colspan=6 valign=bottom style=width:531pt><P align=justify style='font:9pt Arial;margin:0'><B>Asset Quality Ratios:</B></P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Allowance for loan losses to period-end loans</P>
<P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:3.6pt'> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(excluding covered/previously covered loans)</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.00%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.99%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>1.00%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.99%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>0.99%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:-0.9pt'>Non-performing assets to period-end assets</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.16%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.25%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.16%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.25%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>0.18%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Non-performing loans to period-end loans</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.11%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.16%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.11%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.16%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>0.11%</P>
</TD></TR>
<TR><TD valign=bottom style=width:225pt><P style='font:9pt Arial;margin:0;text-indent:-41.4pt;margin-left:54pt;margin-right:14.4pt'>Annualized net charge-offs to average loans</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.07%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.10%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.10%</P>
</TD><TD valign=bottom style=width:58.5pt><P align=right style='font:9pt Arial;margin:0'>0.13%</P>
</TD><TD valign=bottom style=width:72pt><P align=right style='font:9pt Arial;margin:0'>0.08%</P>
</TD></TR>
</TABLE>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>13</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'><FONT style=font-size:11pt><B>Great Southern Bancorp, Inc. and Subsidiaries</B></FONT></P>
<P align=center style='font:11pt Arial;margin:0'><B>Consolidated Statements of Financial Condition</B></P>
<P align=center style='font:11pt Arial;margin:0'><B>(In thousands, except number of shares)</B></P>
<P align=center style='font:10pt Courier New;margin:0;margin-right:22.5pt'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:12pt Times New Roman;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
<P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>December 31,</B></FONT></P>
<P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B> 2018</B></FONT></P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>September 30,</B></FONT></P>
<P align=center style='font:9pt Arial;margin:0'><FONT style='font-family:Times New Roman'><B>2019</B></FONT></P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:25.2pt;margin-right:14.4pt'><B>Assets</B></P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=justify style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Cash</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>99,299</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>110,108</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>105,068</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Interest-bearing deposits in other financial institutions</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>120,856</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>92,634</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>85,809</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>Cash and cash equivalents</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>220,155</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>202,742</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>190,877</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:12.15pt><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Available-for-sale securities</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>374,175</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>243,968</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>349,020</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Mortgage loans held for sale</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>9,242</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,650</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,819</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:20.15pt;margin-right:14.4pt'>Loans receivable (1), net of allowance for loan losses of</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:20.15pt;margin-right:14.4pt'> &nbsp; $40,294 &nbsp;&#8211;&nbsp;December 2019; $38,409 &#8211;&nbsp;December 2018;</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:20.15pt;margin-right:14.4pt'> &nbsp; $40,406 &nbsp;&#8211; September 2019</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,153,982</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,989,001</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,156,703</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Interest receivable</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>13,530</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>13,448</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>13,701</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Prepaid expenses and other assets</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,984</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>55,336</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>82,218</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Other real estate owned and repossessions (2), net</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,525</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,440</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,444</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Premises and equipment, net</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>141,908</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>132,424</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>141,227</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Goodwill and other intangible assets</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,098</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>9,288</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>8,386</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Federal Home Loan Bank stock</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>13,473</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>12,438</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>11,765</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Current and deferred income taxes</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,465</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>Total Assets</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5,015,072</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,676,200</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,972,160</P>
</TD></TR>
<TR style=height:4pt><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Times New Roman;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-77.4pt;margin-left:72pt;margin-right:14.4pt'><B>Liabilities and Stockholders&#8217; Equity</B></P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Times New Roman;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-21.6pt;margin-left:25.2pt;margin-right:14.4pt'><B>Liabilities</B></P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Deposits</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,960,106</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,725,007</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,935,154</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-12.6pt;margin-left:21.6pt;margin-right:14.4pt'>Securities sold under reverse repurchase agreements</P>
<P style='font:9pt Arial;margin:0;text-indent:-12.6pt;margin-left:21.6pt;margin-right:14.4pt'> &nbsp; with customers</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>84,167</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>105,253</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>102,569</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Short-term borrowings</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>228,157</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>192,725</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>191,116</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Subordinated debentures issued to capital trust</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Subordinated notes</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,276</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>73,842</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,168</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Accrued interest payable</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,250</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,570</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,119</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt'>Advances from borrowers for taxes and insurance</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,484</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,092</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,405</P>
</TD></TR>
<TR style=height:3.7pt><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Accounts payable and accrued expenses</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>24,904</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>12,960</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>27,048</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Current and deferred income taxes</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,888</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6,037</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>Total Liabilities</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,412,006</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,144,223</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,375,390</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-21.6pt;margin-left:25.2pt;margin-right:14.4pt'><B>Stockholders&#8217; Equity</B></P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Capital stock</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:25.2pt><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'>Preferred stock, $.01 par value; authorized 1,000,000</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'> &nbsp; shares; issued and outstanding December 2019,</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'> &nbsp; December 2018 and September 2019&#8211; -0- shares </P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'>Common stock, $.01 par value; authorized 20,000,000</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'> &nbsp; shares; issued and outstanding December 2019 &#8211;</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'> &nbsp; 14,261,052 shares; December 2018 &#8211;&nbsp;14,151,198</P>
<P style='font:9pt Arial;margin:0;text-indent:-10.8pt;margin-left:32.4pt;margin-right:14.4pt'> &nbsp; shares; September 2019 &#8211;&nbsp;14,214,054 shares</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>143</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>142</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>142</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Additional paid-in capital</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>33,510</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>30,121</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>32,085</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Retained earnings</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>537,167</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:12.84%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>492,087</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>523,493</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:39.6pt;margin-right:14.4pt'>Accumulated other comprehensive gain </P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>32,246</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>9,627</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>41,050</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>Total Stockholders&#8217; Equity</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>603,066</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>531,977</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>596,770</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:54.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-30.6pt;margin-left:72pt;margin-right:14.4pt'>Total Liabilities and Stockholders&#8217; Equity</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5,015,072</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:12.84%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,676,200</P>
</TD><TD valign=bottom style=width:0.68%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.66%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,972,160</P>
</TD></TR>
</TABLE>
<P style='font:10pt LinePrinter;margin:0;margin-right:-72pt'>&nbsp;</P>
<P style='font:7pt Arial;margin:0;margin-left:18pt;margin-right:36pt'><KBD style='position:absolute;font:7pt Arial;margin-left:-18pt'>(1)</KBD>At December 31, 2019, December 31, 2018 and September 30, 2019, includes loans, net of discounts, totaling $127.2 million, $167.6 million and $141.7 million, respectively, which were acquired in FDIC-assisted transactions and are accounted for under ASC 310-30.&nbsp;</P>
<P style='font:7pt Arial;margin:0;margin-left:18pt;margin-right:36pt'><KBD style='position:absolute;font:7pt Arial;margin-left:-18pt'>(2)</KBD>At December 31, 2019, December 31, 2018 and September 30, 2019, includes foreclosed assets, net of discounts, totaling $1.0 million, $1.4 million and $1.1 million, respectively, which were acquired in FDIC-assisted transactions. &nbsp;In addition, December 31, 2019, December 31, 2018 and September 30, 2019, includes $871,000, $1.6 million and $2.0 million of properties which were not acquired through foreclosure, but are held for sale.&nbsp;</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>14</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'><B>Great Southern Bancorp, Inc. and Subsidiaries</B></P>
<P align=center style='font:11pt Arial;margin:0;text-indent:-13.5pt'><B>Consolidated Statements of Income</B></P>
<P align=center style='font:11pt Arial;margin:0;text-indent:-13.5pt'><B>(In thousands, except per share data)</B></P>
<P style='font:10pt Times New Roman;margin:0'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:100%><TR style=height:12.15pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin-top:1pt;margin-bottom:0pt'><FONT style='font-family:Times New Roman'>Three Months</FONT></P>
</TD></TR>
<TR style=height:12.15pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=4 valign=bottom style=width:18.72%;padding-left:3.6pt;padding-right:3.6pt><P align=center style='font:9pt Arial;margin:0'>Three Months Ended</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=4 valign=bottom style=width:17.98%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>Year Ended</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>Ended</P>
</TD></TR>
<TR style=height:12.15pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=4 valign=bottom style=width:18.72%;padding-left:3.6pt;padding-right:3.6pt><P align=center style='font:9pt Arial;margin:0'>December 31,</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=4 valign=bottom style=width:17.98%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>December 31,</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>September 30,</P>
</TD></TR>
<TR style=height:12.15pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2019</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2018</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2019</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2018</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>2019</P>
</TD></TR>
<TR style=height:9.4pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Interest Income</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:7.2pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Loans</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>55,495</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>53,779</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>223,047</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>198,226</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>57,226</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Investment securities and other</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,231</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,361</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>11,947</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,723</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,961</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>58,726</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>56,140</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>234,994</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>205,949</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>60,187</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Interest Expense</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Deposits</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>11,725</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>8,899</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>45,570</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>27,957</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>11,792</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Federal Home Loan Bank advances</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,021</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,985</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Short-term borrowings and repurchase</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;agreements</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>732</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>380</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,635</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>765</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,123</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Subordinated debentures issued to capital trust</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>232</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>260</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,019</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>953</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>253</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Subordinated notes</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,094</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,024</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,378</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,097</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,095</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>13,783</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>11,584</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>54,602</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>37,757</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,263</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net Interest Income</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>44,943</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>44,556</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>180,392</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>168,192</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>45,924</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Provision for Loan Losses</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>650</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,950</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6,150</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,150</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,950</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net Interest Income After Provision for</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;Loan Losses</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>44,293</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>42,606</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>174,242</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>161,042</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>43,974</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Noninterest Income</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Commissions</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>219</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>269</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>889</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,137</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>173</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Service charges and ATM fees</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>5,011</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>5,505</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>20,898</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>21,695</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>5,619</P>
</TD></TR>
<TR style=height:10.35pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net gains on loan sales</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>962</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>350</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,607</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,788</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,021</P>
</TD></TR>
<TR style=height:10.35pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Late charges and fees on loans</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>367</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>382</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,432</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,622</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>364</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net realized gains on sales of available-for-sale</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;securities</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>(72)</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>(62)</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Gain (loss) on derivative interest rate products</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>65</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>(28)</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>(104)</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>25</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>(101)</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Gain on sale of business units</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>7,414</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Other income</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,142</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>742</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>5,297</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,535</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,579</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,694</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,220</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>30,957</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>36,218</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>8,655</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Noninterest Expense</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Salaries and employee benefits</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>16,329</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>15,484</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>63,224</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>60,215</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>15,827</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net occupancy expense</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>6,755</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>6,394</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>26,217</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>25,628</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>6,613</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Postage</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>855</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>804</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,198</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,348</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>792</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Insurance</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>348</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>672</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,015</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,674</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>339</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Advertising</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>645</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>568</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,808</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,460</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>794</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Office supplies and printing</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>334</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>258</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,077</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,047</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>258</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Telephone</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>934</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>934</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,580</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,272</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>904</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Legal, audit and other professional fees</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>601</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,050</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,624</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>3,423</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>681</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Expense on other real estate and</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;repossessions</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>542</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>543</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>2,184</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>4,919</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>603</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Partnership tax credit investment amortization</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>91</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>91</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>365</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>575</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>91</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Acquired deposit intangible asset amortization</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>289</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>325</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,190</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>1,562</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>289</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Other operating expenses</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,813</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,650</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6,656</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6,187</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,534</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>29,536</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>28,773</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>115,138</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>115,310</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>28,725</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Income Before Income Taxes</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>22,451</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>21,053</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>90,061</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>81,950</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>23,904</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Provision for Income Taxes</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,559</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,765</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>16,449</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,841</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,172</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:11.25pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Net Income and Net Income Available to</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;Common Shareholders</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,892</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>17,288</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>73,612</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>67,109</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>19,732</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Earnings Per Common Share</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.74%;padding-left:3.6pt;padding-right:3.6pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.88%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.56%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:13.46%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;Basic</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.26</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.22</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5.18</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4.75</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.39</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;Diluted</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.24</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.21</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5.14</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4.71</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.38</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>Dividends Declared Per Common Share</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>0.34</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>0.32</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>2.07</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>1.20</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>0.34</P>
</TD></TR>
<TR style=height:14.85pt><TD valign=bottom style=width:40.72%;padding-left:5.75pt;padding-right:3.6pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.74%;padding-left:3.6pt;padding-right:3.6pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.02%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.88%;padding-left:5.75pt;padding-right:2.15pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:5.75pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.94%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.56%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.68%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.92%;padding-left:2.15pt;padding-right:2.15pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:13.46%;padding-left:2.15pt;padding-right:2.15pt;border-top:3px double #000000'><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
</TABLE>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>15</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'><B>Average Balances, Interest Rates and Yields</B></P>
<P style='font:10pt Times New Roman;margin:0'>&nbsp;</P>
<P style='font:9pt Arial;margin:0'>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. &nbsp;Average balances of loans receivable include the average balances of non-accrual loans for each period. &nbsp;Interest income on loans includes interest received on non-accrual loans on a cash basis. &nbsp;Interest income on loans includes the amortization of net loan fees, which were deferred in accordance with accounting standards. &nbsp;Net fees included in interest income were $921,000 and $1.0 million for the three months ended December 31, 2019 and 2018, respectively. &nbsp;Net fees included in interest income were $4.0 million and $3.5 million for the year ended December 31, 2019 and 2018, respectively. Tax-exempt income was not calculated on a tax equivalent basis. The table does not reflect any effect of income taxes.</P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE align=center style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>31, 2019<SUP>(1)</SUP></B></P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=7 valign=bottom style='width:25.38%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31, 2019</B></P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=6 valign=bottom style='width:24.86%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31, 2018</B></P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Average</B></P>
</TD><TD valign=bottom style='width:2.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:0.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.46%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:0.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/</B></P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Average</B></P>
</TD><TD valign=bottom style='width:2.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:0.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/</B></P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/Rate</B></P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Balance</B></P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Interest</B></P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Rate</B></P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Balance</B></P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Interest</B></P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Rate</B></P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=20 valign=bottom style=width:67.76%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>(Dollars in thousands)</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest-earning assets:</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Loans receivable:</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;One- to four-family residential</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.07</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>571,496</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,353</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.10</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>477,064</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>6,379</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.31</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other residential</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.00</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>804,712</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,597</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.22</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>777,669</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,514</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.36</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Commercial real estate</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.84</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,499,340</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>19,021</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.03</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,392,042</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>17,852</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.09</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Construction</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.12</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>714,021</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,194</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.66</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>610,704</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>9,192</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.97</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Commercial business</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.89</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>257,375</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,168</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.88</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>274,874</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,512</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.07</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other loans</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.72</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>342,387</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,935</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.72</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>461,730</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>6,080</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.22</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Industrial revenue bonds</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.87</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,458</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>227</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6.23</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>16,133</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>250</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6.15</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total loans receivable</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.97</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,203,789</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>55,495</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.24</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,010,216</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>53,779</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.32</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Investment securities</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.20</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>374,587</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>2,865</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.03</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>235,885</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,809</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.04</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Other interest-earning assets</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.75</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>89,471</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>366</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.62</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>99,437</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>552</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.20</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.74</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,667,847</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>58,726</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.99</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,345,538</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>56,140</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>5.13</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest-earning assets:</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Cash and cash equivalents</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>92,633</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>94,584</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other non-earning assets</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>196,844</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>173,490</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total assets</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,957,324</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,613,612</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest-bearing liabilities:</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Interest-bearing demand and </P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;margin-left:14.4pt'>savings</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.55</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,555,775</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>2,248</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.57</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,485,174</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,715</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.46</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Time deposits</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.09</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,731,904</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>9,477</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.17</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,507,287</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,184</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.89</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Total deposits</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.36</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,287,679</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>11,725</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.41</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,992,461</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>8,899</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.18</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.5pt;margin-left:13.5pt'> &nbsp;Short-term borrowings and</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.5pt;margin-left:13.5pt'> &nbsp;&nbsp;&nbsp; repurchase agreements</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1.25</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>247,898</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>732</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1.17</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>161,691</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>380</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.93</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;Subordinated debentures issued</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;&nbsp;&nbsp; to capital trust</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.51</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>232</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.57</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>260</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.00</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;Subordinated notes</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.89</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,239</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,094</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.85</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>73,829</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,024</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.50</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;FHLB advances</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>164,924</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,021</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.46</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.46</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,635,590</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>13,783</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.50</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,418,679</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>11,584</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.34</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest-bearing liabilities:</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Demand deposits</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>677,952</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>652,621</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other liabilities</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>36,474</FONT></P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>24,056</FONT></P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,350,016</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,095,356</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Stockholders&#8217; equity</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>607,308</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>518,256</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders&#8217;</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; equity</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,957,324</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,613,612</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net interest income:</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.24%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest rate spread</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.28</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>44,943</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.49</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>44,556</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.79</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net interest margin*</P>
</TD><TD valign=bottom style='width:9.26%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.98%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.82</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.5%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4.07</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:30.14%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'>Average interest-earning assets to</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;&nbsp;&nbsp; average interest-bearing liabilities</P>
</TD><TD valign=bottom style=width:9.26%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>128.4</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>%</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:6.98%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.08%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.46%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.5%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>127.1</P>
</TD><TD valign=bottom style=width:2.02%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>%</P>
</TD><TD valign=bottom style=width:1.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:7.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.24%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.1%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD></TR>
</TABLE>
<P style='font:10pt Times New Roman;margin:0'><FONT style=font-size:10pt>______________</FONT></P>
<P style='font:7pt Arial;margin:0'>*Defined as the Company&#8217;s net interest income divided by average total interest-earning assets.</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>16</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:7pt Arial;margin:0;margin-left:14.4pt'><KBD style='position:absolute;font:7pt Arial;margin-left:-14.4pt'>(1)</KBD>The yield on loans at December 31, 2019, does not include the impact of the adjustments to the accretable yield (income) on loans acquired in the FDIC-assisted transactions. &nbsp;See &#8220;Net Interest Income&#8221; for a discussion of the effect on results of operations for the three months ended December 31, 2019.&nbsp;</P>
<P style='font:7pt Arial;margin:0;text-indent:-14.4pt;margin-left:14.4pt'>&nbsp;</P>
<TABLE align=center style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>December</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>31, 2019<SUP>(1)</SUP></B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=6 valign=bottom style='width:25.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31, 2019</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=6 valign=bottom style=width:25.18%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
<P align=center style='font:9pt Arial;margin:0'><B>December 31, 2018</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Average</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Average</B></P>
</TD><TD valign=bottom style='width:2.16%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:1.58%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Yield/Rate</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Balance</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Interest</B></P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Rate</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Balance</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Interest</B></P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.25pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>Rate</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=20 valign=bottom style=width:70.46%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>(Dollars in thousands)</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest-earning assets:</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:13.5pt><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Loans receivable:</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;One- to four-family residential</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.07</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>532,051</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>27,450</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.16</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>449,917</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>22,924</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.10</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other residential</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.00</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>812,412</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>43,931</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.41</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>761,115</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>38,863</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.11</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Commercial real estate</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.84</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,443,435</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,256</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.14</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,325,398</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>64,605</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.87</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Construction</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.12</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>706,581</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>41,767</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.91</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>569,570</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>31,198</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.48</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Commercial business</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.89</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>258,606</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>13,234</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.12</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>285,125</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>14,104</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.95</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other loans</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.72</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>387,854</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>21,511</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.55</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>499,131</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,250</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.06</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Industrial revenue bonds</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.87</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>14,841</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>898</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6.05</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>20,563</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,282</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>6.23</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total loans receivable</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.97</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,155,780</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>223,047</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.37</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,910,819</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>198,226</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.07</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:14.4pt><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Investment securities</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.20</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>326,450</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>10,066</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.08</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>201,330</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,835</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>2.90</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Other interest-earning assets</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.75</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>87,767</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,881</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.14</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>104,220</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,888</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.81</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.74</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,569,997</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>234,994</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>5.14</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,216,369</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>205,949</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4.88</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest-earning assets:</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Cash and cash equivalents</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>92,315</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>97,796</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other non-earning assets</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>192,695</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>189,161</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total assets</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,855,007</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,503,326</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest-bearing liabilities:</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Interest-bearing demand and </P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;margin-left:14.4pt'>savings</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.55</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,507,518</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>7,971</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.53</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,532,368</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,982</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.39</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Time deposits</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.09</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,716,786</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>37,599</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.19</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,375,508</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>21,975</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.60</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Total deposits</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.36</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,224,304</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>45,570</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.41</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,907,876</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>27,957</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>0.96</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.5pt;margin-left:13.5pt'> &nbsp;Short-term borrowings and</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.5pt;margin-left:13.5pt'> &nbsp;&nbsp;&nbsp; repurchase agreements</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1.25</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>260,024</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,635</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1.40</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>136,264</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>765</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>0.56</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;Subordinated debentures issued</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;&nbsp;&nbsp; to capital trust</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.51</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>1,019</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.95</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>25,774</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>953</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.70</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;Subordinated notes</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.89</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>74,070</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,378</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.91</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>73,772</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,097</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5.55</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;FHLB advances</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&#8212;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>190,245</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>3,985</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2.09</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.46</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,584,172</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>54,602</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.52</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3,333,931</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>37,757</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1.13</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Non-interest-bearing liabilities:</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Demand deposits</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>665,606</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>649,357</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;Other liabilities</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>33,592</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>21,530</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,283,370</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>4,004,818</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Stockholders&#8217; equity</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>571,637</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>498,508</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders&#8217;</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; equity</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,855,007</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,503,326</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net interest income:</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.32%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Interest rate spread</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.28</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>180,392</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.62</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>168,192</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.75</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Net interest margin*</P>
</TD><TD valign=bottom style='width:9.18%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.95</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:8.48%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.99</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:29.54%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'>Average interest-earning assets to</P>
<P style='font:9pt Arial;margin:0;text-indent:-13.8pt;margin-left:13.8pt'> &nbsp;&nbsp;&nbsp; average interest-bearing liabilities</P>
</TD><TD valign=bottom style=width:9.18%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>127.5</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>%</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:8.48%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>126.5</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>%</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:7%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.32%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin-top:0pt;margin-bottom:2pt'>&nbsp;</P>
</TD></TR>
</TABLE>
<P style='font:10pt Times New Roman;margin:0'><FONT style=font-size:10pt>______________</FONT></P>
<P style='font:7pt Arial;margin:0'>*Defined as the Company&#8217;s net interest income divided by average total interest-earning assets.</P>
<P style='font:7pt Arial;margin:0;margin-left:14.4pt'><KBD style='position:absolute;font:7pt Arial;margin-left:-14.4pt'>(1)</KBD>The yield on loans at December 31, 2019, does not include the impact of the adjustments to the accretable yield (income) on loans acquired in the FDIC-assisted transactions. &nbsp;See &#8220;Net Interest Income&#8221; for a discussion of the effect on results of operations for the year ended December 31, 2019.&nbsp;</P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>17</P>
<HR style='page-break-after:always;border:0;height:3pt;background-color:#909090;margin:8pt 0'><P style=line-height:0;margin:0></P>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P style='font:11pt Arial;margin:0'><FONT style='border-bottom:1px solid #000000'>NON-GAAP FINANCIAL MEASURES</FONT></P>
<P style='font:11pt Arial;margin-top:6.3pt;margin-bottom:0pt;color:#000000'>This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (&#8220;GAAP&#8221;). These non-GAAP financial measures include core net interest income, core net interest margin and the tangible common equity to tangible assets ratio. </P>
<P style='font:11pt Arial;margin-top:6.3pt;margin-bottom:0pt;color:#000000'>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&#8217;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. </P>
<P style='font:11pt Arial;margin-top:6.3pt;margin-bottom:0pt;color:#000000'>In calculating the ratio of tangible common equity to tangible assets, we subtract period-end intangible assets from common equity and from total assets. &nbsp;Management believes that the presentation of this measure excluding the impact of intangible assets provides useful supplemental information that is helpful in understanding our financial condition and results of operations, as it provides a method to assess management&#8217;s success in utilizing our tangible capital as well as our capital strength. &nbsp;Management also believes that providing a measure that excludes balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our performance with the performance of our peers. &nbsp;In addition, management believes that this is a standard financial measure used in the banking industry to evaluate performance. </P>
<P style='font:11pt Arial;margin-top:6.3pt;margin-bottom:0pt'>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. </P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:9pt Arial;margin:0'><B>Non-GAAP Reconciliation: &nbsp;Core Net Interest Income and Core Net Interest Margin</B></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE style=border-collapse:collapse;width:100%><TR><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.36%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Three Months Ended</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.74%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>Year Ended</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.36%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.74%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style='width:12.28%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style='width:10.7%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2018</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style='width:11.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=3 valign=bottom style='width:11.68%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2018</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.36%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>(Dollars in thousands)</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=9 valign=bottom style=width:27.74%;padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>(Dollars in thousands)</B></P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:22.5pt><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Reported net interest income/</P>
<P style='font:9pt Arial;margin:0'> &nbsp;&nbsp;margin</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:6.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>44,943</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:5.62%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.82</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:6.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>44,556</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:4.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4.07</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>180,392</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:4.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.95</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=width:7.02%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>168,192</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:4.04%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>3.99</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR style=height:17.55pt><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Less: &nbsp;Impact of FDIC-acquired</P>
<P style='font:9pt Arial;margin:0'> &nbsp; loan accretion adjustments</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>2,271</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.62%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>0.19</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>1,482</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>0.14</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>7,433</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>0.16</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>5,134</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>0.12</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18pt><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Core net interest income/margin</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>42,672</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.63%</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>43,074</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.93</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>172,959</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.79</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>163,058</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>3.87</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
<TR><TD valign=bottom style=width:36.78%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:5.62%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:6.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:1.58%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:7.02%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:0.64%;padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='width:4.04%;padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=width:2.16%;padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
</TABLE>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<P style='font:9pt Arial;margin:0'><B>Non-GAAP Reconciliation: &nbsp;Ratio of Tangible Common Equity to Tangible Assets</B></P>
<P style='font:11pt Arial;margin:0'>&nbsp;</P>
<TABLE style=border-collapse:collapse><TR style=height:13.05pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>December 31,</B></P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:10.25pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2019</B></P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=center style='font:9pt Arial;margin:0'><B>2018</B></P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:10.95pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD colspan=5 valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=center style='font:9pt Arial;margin:0'><B>(Dollars in thousands)</B></P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:17.1pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Common equity at period end</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>603,066</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>531,977</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Less: &nbsp;Intangible assets at period end</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>8,098</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>9,288</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18.45pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Tangible common equity at period end &nbsp;(a)</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>594,968</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>522,689</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:11.1pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:11.1pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Total assets at period end</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>5,015,072</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>4,676,200</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Less: &nbsp;Intangible assets at period end</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>8,098</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:0.5pt solid #000000'><P align=right style='font:9pt Arial;margin:0'>9,288</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18.45pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Tangible assets at period end (b)</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>5,006,974</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>$</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:0.5pt solid #000000;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>4,666,912</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:9.25pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-top:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD></TR>
<TR style=height:18.45pt><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>Tangible common equity to tangible assets (a) / (b)</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>11.88</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P align=right style='font:9pt Arial;margin:0'>&nbsp;</P>
</TD><TD valign=bottom style='padding-left:1.45pt;padding-right:1.45pt;border-bottom:3px double #000000'><P align=right style='font:9pt Arial;margin:0'>11.20</P>
</TD><TD valign=bottom style=padding-left:1.45pt;padding-right:1.45pt><P style='font:9pt Arial;margin:0'>%</P>
</TD></TR>
</TABLE>
<HR style='border:0;height:0;width:0;margin:14pt 0 0 0'><P align=center style='font:11pt Arial;margin:0'>18</P>
</DIV>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>3
<FILENAME>gsbc-20200121_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2020 [PPXC7JF4UJYCVJC9C9W8]. www.edgarsuite.com -->
<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.greatsouthernbank.com/20200121"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
		xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
	<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
	<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
	<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
	<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
	<link:roleRef roleURI="http://www.greatsouthernbank.com/20200121/role/idr_DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="gsbc-20200121.xsd#idr_DocumentDocumentAndEntityInformation"/>
	<link:definitionLink xlink:type="extended" xlink:role="http://www.greatsouthernbank.com/20200121/role/idr_DocumentDocumentAndEntityInformation"/>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>gsbc-20200121_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABELS LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2020 [PPXC7JF4UJYCVJC9C9W8]. www.edgarsuite.com -->
<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.greatsouthernbank.com/20200121"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
		xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel"/>
	<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle' xlink:label='dei_Security12bTitle'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_Security12bTitle' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Title of 12(b) Security</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_Security12bTitle' xlink:to='lab_dei_Security12bTitle'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode' xlink:label='dei_CityAreaCode'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_CityAreaCode' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>City Area Code</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_CityAreaCode' xlink:to='lab_dei_CityAreaCode'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName' xlink:label='dei_EntityRegistrantName'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityRegistrantName' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Registrant Name</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityRegistrantName' xlink:to='lab_dei_EntityRegistrantName'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications' xlink:label='dei_WrittenCommunications'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_WrittenCommunications' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Written Communications</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_WrittenCommunications' xlink:to='lab_dei_WrittenCommunications'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode' xlink:label='dei_EntityAddressPostalZipCode'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityAddressPostalZipCode' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Address, Postal Zip Code</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityAddressPostalZipCode' xlink:to='lab_dei_EntityAddressPostalZipCode'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityExTransitionPeriod' xlink:label='dei_EntityExTransitionPeriod'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityExTransitionPeriod' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Ex Transition Period</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityExTransitionPeriod' xlink:to='lab_dei_EntityExTransitionPeriod'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCommonStockSharesOutstanding' xlink:label='dei_EntityCommonStockSharesOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityCommonStockSharesOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Number of common stock shares outstanding</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityCommonStockSharesOutstanding' xlink:to='lab_dei_EntityCommonStockSharesOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1' xlink:label='dei_EntityAddressAddressLine1'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityAddressAddressLine1' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Address, Address Line One</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityAddressAddressLine1' xlink:to='lab_dei_EntityAddressAddressLine1'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFilerCategory' xlink:label='dei_EntityFilerCategory'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityFilerCategory' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Filer Category</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityFilerCategory' xlink:to='lab_dei_EntityFilerCategory'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalYearFocus' xlink:label='dei_DocumentFiscalYearFocus'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentFiscalYearFocus' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document Fiscal Year Focus</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentFiscalYearFocus' xlink:to='lab_dei_DocumentFiscalYearFocus'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentDescription' xlink:label='dei_AmendmentDescription'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_AmendmentDescription' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amendment Description</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_AmendmentDescription' xlink:to='lab_dei_AmendmentDescription'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TextBlockAbstract' xlink:label='us-gaap_TextBlockAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_TextBlockAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Details</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_TextBlockAbstract' xlink:to='lab_us-gaap_TextBlockAbstract'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer' xlink:label='dei_PreCommencementTenderOffer'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_PreCommencementTenderOffer' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Pre-commencement Tender Offer</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_PreCommencementTenderOffer' xlink:to='lab_dei_PreCommencementTenderOffer'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany' xlink:label='dei_EntityEmergingGrowthCompany'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityEmergingGrowthCompany' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Emerging Growth Company</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityEmergingGrowthCompany' xlink:to='lab_dei_EntityEmergingGrowthCompany'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityInteractiveDataCurrent' xlink:label='dei_EntityInteractiveDataCurrent'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityInteractiveDataCurrent' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interactive Data Current</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityInteractiveDataCurrent' xlink:to='lab_dei_EntityInteractiveDataCurrent'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber' xlink:label='dei_EntityTaxIdentificationNumber'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityTaxIdentificationNumber' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Tax Identification Number (TIN)</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityTaxIdentificationNumber' xlink:to='lab_dei_EntityTaxIdentificationNumber'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol' xlink:label='dei_TradingSymbol'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_TradingSymbol' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Trading Symbol</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_TradingSymbol' xlink:to='lab_dei_TradingSymbol'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode' xlink:label='dei_EntityIncorporationStateCountryCode'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityIncorporationStateCountryCode' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Incorporation, State or Country Code</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityIncorporationStateCountryCode' xlink:to='lab_dei_EntityIncorporationStateCountryCode'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityShellCompany' xlink:label='dei_EntityShellCompany'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityShellCompany' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Shell Company</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityShellCompany' xlink:to='lab_dei_EntityShellCompany'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial' xlink:label='dei_SolicitingMaterial'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_SolicitingMaterial' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Soliciting Material</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_SolicitingMaterial' xlink:to='lab_dei_SolicitingMaterial'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType' xlink:label='dei_DocumentType'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentType' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>SEC Form</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentType' xlink:to='lab_dei_DocumentType'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey' xlink:label='dei_EntityCentralIndexKey'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityCentralIndexKey' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Registrant CIK</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityCentralIndexKey' xlink:to='lab_dei_EntityCentralIndexKey'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer' xlink:label='dei_PreCommencementIssuerTenderOffer'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_PreCommencementIssuerTenderOffer' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Pre-commencement Issuer Tender Offer</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_PreCommencementIssuerTenderOffer' xlink:to='lab_dei_PreCommencementIssuerTenderOffer'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntitySmallBusiness' xlink:label='dei_EntitySmallBusiness'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntitySmallBusiness' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Small Business</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntitySmallBusiness' xlink:to='lab_dei_EntitySmallBusiness'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown' xlink:label='dei_EntityAddressCityOrTown'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityAddressCityOrTown' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Address, City or Town</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityAddressCityOrTown' xlink:to='lab_dei_EntityAddressCityOrTown'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityPublicFloat' xlink:label='dei_EntityPublicFloat'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityPublicFloat' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Public Float</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityPublicFloat' xlink:to='lab_dei_EntityPublicFloat'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName' xlink:label='dei_SecurityExchangeName'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_SecurityExchangeName' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Trading Exchange</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_SecurityExchangeName' xlink:to='lab_dei_SecurityExchangeName'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag' xlink:label='dei_AmendmentFlag'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_AmendmentFlag' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amendment Flag</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_AmendmentFlag' xlink:to='lab_dei_AmendmentFlag'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate' xlink:label='dei_DocumentPeriodEndDate'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentPeriodEndDate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Period End date</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentPeriodEndDate' xlink:to='lab_dei_DocumentPeriodEndDate'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentFiscalPeriodFocus' xlink:label='dei_DocumentFiscalPeriodFocus'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentFiscalPeriodFocus' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document Fiscal Period Focus</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentFiscalPeriodFocus' xlink:to='lab_dei_DocumentFiscalPeriodFocus'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince' xlink:label='dei_EntityAddressStateOrProvince'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityAddressStateOrProvince' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Address, State or Province</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityAddressStateOrProvince' xlink:to='lab_dei_EntityAddressStateOrProvince'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber' xlink:label='dei_EntityFileNumber'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityFileNumber' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity File Number</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityFileNumber' xlink:to='lab_dei_EntityFileNumber'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber' xlink:label='dei_LocalPhoneNumber'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_LocalPhoneNumber' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Local Phone Number</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_LocalPhoneNumber' xlink:to='lab_dei_LocalPhoneNumber'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCurrentReportingStatus' xlink:label='dei_EntityCurrentReportingStatus'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityCurrentReportingStatus' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Current with reporting</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityCurrentReportingStatus' xlink:to='lab_dei_EntityCurrentReportingStatus'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityWellKnownSeasonedIssuer' xlink:label='dei_EntityWellKnownSeasonedIssuer'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityWellKnownSeasonedIssuer' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Well-known Seasoned Issuer</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityWellKnownSeasonedIssuer' xlink:to='lab_dei_EntityWellKnownSeasonedIssuer'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityVoluntaryFilers' xlink:label='dei_EntityVoluntaryFilers'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityVoluntaryFilers' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Voluntary filer</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityVoluntaryFilers' xlink:to='lab_dei_EntityVoluntaryFilers'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate' xlink:label='dei_CurrentFiscalYearEndDate'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_CurrentFiscalYearEndDate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fiscal Year End</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_CurrentFiscalYearEndDate' xlink:to='lab_dei_CurrentFiscalYearEndDate'/>
	</link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>gsbc-20200121_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2020 [PPXC7JF4UJYCVJC9C9W8]. www.edgarsuite.com -->
<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.greatsouthernbank.com/20200121"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
		xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<link:roleRef roleURI="http://www.greatsouthernbank.com/20200121/role/idr_DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="gsbc-20200121.xsd#idr_DocumentDocumentAndEntityInformation"/>
	<link:presentationLink xlink:type="extended" xlink:role="http://www.greatsouthernbank.com/20200121/role/idr_DocumentDocumentAndEntityInformation">
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_TextBlockAbstract' xlink:label='us-gaap_TextBlockAbstract'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey' xlink:label='dei_EntityCentralIndexKey'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityCentralIndexKey' use='optional' order='1.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate' xlink:label='dei_CurrentFiscalYearEndDate'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_CurrentFiscalYearEndDate' use='optional' order='2.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName' xlink:label='dei_EntityRegistrantName'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityRegistrantName' use='optional' order='3.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType' xlink:label='dei_DocumentType'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_DocumentType' use='optional' order='4.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate' xlink:label='dei_DocumentPeriodEndDate'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_DocumentPeriodEndDate' use='optional' order='5.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol' xlink:label='dei_TradingSymbol'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_TradingSymbol' use='optional' order='6.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName' xlink:label='dei_SecurityExchangeName'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_SecurityExchangeName' use='optional' order='7.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber' xlink:label='dei_EntityTaxIdentificationNumber'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityTaxIdentificationNumber' use='optional' order='8.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCommonStockSharesOutstanding' xlink:label='dei_EntityCommonStockSharesOutstanding'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityCommonStockSharesOutstanding' use='optional' order='9.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityPublicFloat' xlink:label='dei_EntityPublicFloat'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityPublicFloat' use='optional' order='10.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFilerCategory' xlink:label='dei_EntityFilerCategory'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityFilerCategory' use='optional' order='11.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCurrentReportingStatus' xlink:label='dei_EntityCurrentReportingStatus'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityCurrentReportingStatus' use='optional' order='12.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityInteractiveDataCurrent' xlink:label='dei_EntityInteractiveDataCurrent'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityInteractiveDataCurrent' use='optional' order='13.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityVoluntaryFilers' xlink:label='dei_EntityVoluntaryFilers'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityVoluntaryFilers' use='optional' order='14.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityWellKnownSeasonedIssuer' xlink:label='dei_EntityWellKnownSeasonedIssuer'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityWellKnownSeasonedIssuer' use='optional' order='15.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityShellCompany' xlink:label='dei_EntityShellCompany'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityShellCompany' use='optional' order='16.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntitySmallBusiness' xlink:label='dei_EntitySmallBusiness'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntitySmallBusiness' use='optional' order='17.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany' xlink:label='dei_EntityEmergingGrowthCompany'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityEmergingGrowthCompany' use='optional' order='18.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityExTransitionPeriod' xlink:label='dei_EntityExTransitionPeriod'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityExTransitionPeriod' use='optional' order='19.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentDescription' xlink:label='dei_AmendmentDescription'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_AmendmentDescription' use='optional' order='20.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode' xlink:label='dei_EntityIncorporationStateCountryCode'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityIncorporationStateCountryCode' use='optional' order='21.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber' xlink:label='dei_EntityFileNumber'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityFileNumber' use='optional' order='22.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1' xlink:label='dei_EntityAddressAddressLine1'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityAddressAddressLine1' use='optional' order='23.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown' xlink:label='dei_EntityAddressCityOrTown'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityAddressCityOrTown' use='optional' order='24.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince' xlink:label='dei_EntityAddressStateOrProvince'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityAddressStateOrProvince' use='optional' order='25.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode' xlink:label='dei_EntityAddressPostalZipCode'/>
		<link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='us-gaap_TextBlockAbstract' xlink:to='dei_EntityAddressPostalZipCode' use='optional' order='26.0'/>
		<link:loc xlink:type='locator' xlink:href='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode' xlink:label='dei_CityAreaCode'/>
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>6
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<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
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<?xml version='1.0' encoding='iso-8859-1'?>
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<schema xmlns='http://www.w3.org/2001/XMLSchema' xmlns:invest='http://xbrl.sec.gov/invest/2013-01-31' xmlns:fil='http://www.greatsouthernbank.com/20200121' xmlns:dei='http://xbrl.sec.gov/dei/2019-01-31' xmlns:xlink='http://www.w3.org/1999/xlink' xmlns:xbrldt='http://xbrl.org/2005/xbrldt' targetNamespace='http://www.greatsouthernbank.com/20200121' xmlns:link='http://www.xbrl.org/2003/linkbase' xmlns:xbrli='http://www.xbrl.org/2003/instance' elementFormDefault='qualified' attributeFormDefault='unqualified'>
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			<link:linkbaseRef xlink:type="simple" xlink:href="gsbc-20200121_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
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				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
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	<import schemaLocation='http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd' namespace='http://www.xbrl.org/dtr/type/numeric'/>
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	<import schemaLocation='http://www.xbrl.org/2005/xbrldt-2005.xsd' namespace='http://xbrl.org/2005/xbrldt'/>
	<import namespace='http://fasb.org/us-gaap/2019-01-31' schemaLocation='http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd' />
	<import namespace='http://xbrl.sec.gov/dei/2019-01-31' schemaLocation='https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd' />
</schema>
</XBRL>
</TEXT>
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<DOCUMENT>
<TYPE>GRAPHIC
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<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>11
<FILENAME>0000927089-20-000039-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TextBlockAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TextBlockAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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