<SEC-DOCUMENT>0001193125-17-150350.txt : 20170501
<SEC-HEADER>0001193125-17-150350.hdr.sgml : 20170501
<ACCEPTANCE-DATETIME>20170501083111
ACCESSION NUMBER:		0001193125-17-150350
CONFORMED SUBMISSION TYPE:	S-1/A
PUBLIC DOCUMENT COUNT:		16
FILED AS OF DATE:		20170501
DATE AS OF CHANGE:		20170501

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GUARANTY BANCSHARES INC /TX/
		CENTRAL INDEX KEY:			0001058867
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				751656431
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-1/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-217176
		FILM NUMBER:		17798581

	BUSINESS ADDRESS:	
		STREET 1:		201 SOUTH JEFFERSON AVENUE
		CITY:			MOUNT PLEASANT
		STATE:			TX
		ZIP:			75455
		BUSINESS PHONE:		9035729881

	MAIL ADDRESS:	
		STREET 1:		201 SOUTH JEFFERSON AVENUE
		CITY:			MOUNT PLEASANT
		STATE:			TX
		ZIP:			75455
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-1/A
<SEQUENCE>1
<FILENAME>d814489ds1a.htm
<DESCRIPTION>AMENDMENT NO. 1 TO FORM S-1
<TEXT>
<HTML><HEAD>
<TITLE>Amendment No. 1 to Form S-1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on May 1, 2017 </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Registration No.&nbsp;333-217176</P>  <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:3.00pt solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES
AND EXCHANGE COMMISSION </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>WASHINGTON, D.C. 20549 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center>  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amendment No.
1 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>to </B></P>  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM
S-1 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I></I></B><B>REGISTRATION STATEMENT</B><B><I> </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>GUARANTY BANCSHARES, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Exact Name of Registrant as Specified in Its Charter) </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>Texas</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>6021</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>75-1656431</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or Other Jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Incorporation or Organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Primary Standard Industrial</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Classification No.)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(I.R.S. Employer Identification No.)</B></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>201 South Jefferson Avenue </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Mount Pleasant, Texas 75455 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(903) 572 - 9881 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address,
Including Zip Code, of Registrant&#146;s Principal Executive Offices) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Tyson T. Abston </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Chairman and Chief Executive Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Guaranty Bancshares, Inc. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>201 South Jefferson Avenue </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Mount Pleasant, Texas 75455 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(903) 572 - 9881 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name,
Address and Telephone Number, Including Area Code, of Agent For Service) </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Copies to:
</I></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Chet A. Fenimore, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Derek W. McGee, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Fenimore, Kay, Harrison &amp; Ford, LLP</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>812 San Antonio Street, Suite 600</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Austin, Texas 78701</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(512)
583-5900</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(512) 583-5940 (facsimile)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Peter G. Weinstock, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Hunton &amp; Williams LLP</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>1445 Ross Avenue, Suite 3700</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Dallas, Texas 75202</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(214)
468-3395</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(214) 740-7138 (facsimile)</B></P></TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">Approximate date of commencement of proposed sale to the public: As soon as practicable after the effective date of this
Registration Statement. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">If any of the securities being registered on this Form are to be offered on a delayed or continuous
basis pursuant to Rule 415 under the Securities Act of 1933, check the following box.&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">If this Form is
filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same
offering.&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities
Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;&#9744; </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and
list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;&#9744; </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="justify">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer,
smaller reporting company, or an emerging growth company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer,&#148; &#147;smaller reporting company,&#148; and &#147;emerging growth company&#148; in Rule 12b-2 of the
Exchange Act. </P>  <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="24%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top">Large accelerated filer&nbsp;&nbsp;&#9744;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Accelerated filer&nbsp;&nbsp;&#9744;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top">Non-accelerated filer&nbsp;&nbsp;&nbsp;&nbsp;&#9746;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">(Do not check if a small reporting company)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Smaller reporting company&nbsp;&nbsp;&#9744;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Emerging growth company&nbsp;&nbsp;&#9746;</TD></TR>
</TABLE>   <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">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 financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.&nbsp;&nbsp;&#9746; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>CALCULATION OF REGISTRATION FEE </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD></TR>


<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title of Each Class of Securities</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>to be Registered</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>to be<BR>Registered&nbsp;(1)</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><B>Proposed<BR>Maximum<BR>Price<BR>per&nbsp;Share&nbsp;(2)</B></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><B>Proposed<BR>Maximum<BR>Aggregate<BR>Offering&nbsp;Price&nbsp;(2)</B></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><B>Amount of<BR>Registration&nbsp;Fee&nbsp;(3)</B></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Common Stock, $1.00 par value per share</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">2,300,000</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$28.00</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$64,400,000</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$7,463.96</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
</TABLE>   <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">(1) Includes 300,000 shares of common stock that the underwriters have the option to purchase from the Registrant. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">(2) Estimated solely for purposes of calculating the registration fee in accordance with Rule 457(a) under the Securities Act of 1933. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">(3) Previously paid. </P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>The Registrant hereby amends this
Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file an amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with
Section&nbsp;8(a) of the Securities Act of 1933 or until this Registration Statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section&nbsp;8(a), may determine. </B></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="justify"><FONT COLOR="#cc062a"><B>The information in this preliminary prospectus is not complete and may be changed.
We may not sell these securities until the registration statement filed with the Securities and Exchange Commission is effective. This preliminary prospectus is not an offer to sell nor does it seek an offer to buy these securities in any
jurisdiction where the offer or sale is not permitted. </B></FONT></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT COLOR="#cc062a"><B>Subject to completion, dated May 1, 2017 </B></FONT></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT COLOR="#cc062a"><B>PRELIMINARY PROSPECTUS </B></FONT></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>2,000,000 Shares </B></P>  <P STYLE="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g77k35.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:9pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>Guaranty Bancshares, Inc. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>Common Stock </B></P>  <P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This
prospectus relates to the initial public offering of Guaranty Bancshares, Inc.&#146;s common stock. We are offering 2,000,000 shares of our common stock. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Since 2005, there has been no established public market for our common stock. We currently estimate that the public offering price of our
common stock will be between $26.00 and $28.00 per share. We have applied to list our common stock on the NASDAQ Global Select Market under the symbol &#147;GNTY.&#148; </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B>Investing in our common stock involves a high degree of risk. See &#147;<A HREF="#toc814489_3">Risk Factors</A>&#148; beginning on
page&nbsp;20</B>.<B><SUP STYLE="font-size:85%; vertical-align:top"></SUP> </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B>We are an &#147;emerging growth company&#148; as defined
in the Jumpstart Our Business Startups Act of 2012, and are subject to reduced public company reporting requirements. See &#147;Implications of Being an Emerging Growth Company.&#148; </B></P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Per&nbsp;share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Initial public offering price</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Underwriting discounts and
commissions<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds to us, before expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;margin-left:0%;border-bottom:1px solid #000000; width:22%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">See &#147;Underwriting&#148; for additional information regarding the underwriting discounts and commissions and certain expenses payable to the underwriters by us. </TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have granted the underwriters an option for a period of 30 days following the date of this prospectus to purchase up to an additional
300,000 shares of our common stock from us on the same terms set forth above. </P>  <P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B>Neither the Securities and Exchange Commission, nor
any other state securities commission nor any other regulatory authority has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense. </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B>Our common stock is not a deposit or savings account. Our common stock is not insured by the Federal Deposit Insurance Corporation or any
other governmental agency or instrumentality. </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Delivery of the shares is expected to occur on or about
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2017, subject to customary closing conditions. </P> <P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:14pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:14pt">
<TD VALIGN="top"><B>Sandler O&#146;Neill + Partners, L.P.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>Stephens Inc. </B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:33%">&nbsp;</P></center>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The date of this prospectus is
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2017 </B></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g28r22.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_1">Prospectus Summary</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_2">Selected Historical Consolidated Financial Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_3">Risk Factors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_4">Forward-Looking Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_5">Use of Proceeds</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_6">Dividend Policy</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_7">Capitalization</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_8">Dilution</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_9">Price Range of Our Common Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_10">Business</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_11">Management&#146;s Discussion and Analysis of Financial Condition and Results
 of Operations</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_12">Management</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_13">Executive Compensation</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_14">Principal Shareholders</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_15">Certain Relationships and Related Persons Transactions</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_16">Description of Capital Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_17">Shares Eligible for Future Sale</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_18">Supervision and Regulation</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_19">Certain Material U.S. Federal Income Tax Consequences for <FONT
STYLE="white-space:nowrap">Non-U.S.</FONT> Holders of Common Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_20">Underwriting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_21">Legal Matters</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_22">Experts</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_23">Where You Can Find More Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#toc814489_24">Index to Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>About this Prospectus </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">You should rely only on the information contained in this prospectus and any free writing prospectus prepared by us or on our behalf that we
have referred you to. We and the underwriters have not authorized anyone to provide you with additional or different information. If anyone provides you with additional, different or inconsistent information, you should not rely on it. We and the
underwriters take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you. This prospectus is an offer to sell only the shares offered hereby, and only under circumstances and in
jurisdictions where it is lawful to do so. We are not making an offer of these securities in any state, country or other jurisdiction where the offer is not permitted. You should not assume that the information in this prospectus or any free writing
prospectus is accurate as of any date other than the date of the applicable document regardless of its time of delivery or the time of any sales of our common stock. Our business, financial condition, results of operations and cash flows may have
changed since the date of the applicable document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Market and Industry Data </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This prospectus includes industry and trade association data, forecasts and information that we have prepared based, in part, upon data,
forecasts and information obtained from independent trade associations, industry publications and surveys, government agencies and other information available to us, which information may be specific to particular markets or geographic locations.
Statements as to our market position are based on market data currently available to us. Industry publications and surveys and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable.
Although we believe these sources are reliable, we have not independently verified the information. Some data is also based on our good faith estimates, which are derived from management&#146;s knowledge of the industry and independent sources. We
believe our internal research is reliable, even though such research has not been verified by any independent sources. While we are not aware of any misstatements regarding our industry data presented herein, our estimates involve risks and
uncertainties and are subject to change based on various factors, including those discussed under the heading &#147;Risk Factors&#148; in this prospectus. Trademarks used in this prospectus are the property of their respective owners, although for
presentational convenience we may not use the <SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> or the &#153; symbols to identify such trademarks. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Implications of Being an Emerging Growth Company </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a company with less than $1.0&nbsp;billion in gross revenue during our last fiscal year, we qualify as an &#147;emerging growth
company&#148; as defined in the Jumpstart Our Business Startups Act of 2012, or the JOBS Act. We will continue to be an emerging growth company until the earliest to occur of: (1)&nbsp;the last day of the fiscal year following the fifth anniversary
of this offering; (2)&nbsp;the last day of the fiscal year in which we have more than $1.0&nbsp;billion in annual gross revenues; (3)&nbsp;the date on which we are deemed to be a &#147;large accelerated filer&#148; under the Securities Exchange Act
of 1934, as amended, or the Exchange Act; or (4)&nbsp;the date on which we have, during the previous three-year period, issued more than $1.0&nbsp;billion in <FONT STYLE="white-space:nowrap">non-convertible</FONT> debt securities. Until we cease to
be an emerging growth company, we may take advantage of specified reduced reporting and other regulatory requirements generally unavailable to other public companies. Those provisions allow us: to present only two years of audited financial
statements in this prospectus and discuss only our results of operations for two years under the heading &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations;&#148; to provide less than five years of
selected financial data in this prospectus relating to an initial public offering; not to provide an auditor attestation of our internal control over financial reporting; to choose not to comply with any new requirements adopted by the Public
Company Accounting Oversight Board, or the PCAOB, requiring mandatory audit firm rotation or a supplement to the auditor&#146;s report providing additional information about the audit and our audited financial statements; to provide reduced
disclosure regarding our executive compensation arrangements pursuant to the rules applicable to smaller reporting companies, which means we do not have to include a Compensation Discussion and Analysis and certain other disclosure regarding our
executive compensation; and not to seek a <FONT STYLE="white-space:nowrap">non-binding</FONT> advisory vote on executive compensation or golden parachute </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
arrangements. We may choose to take advantage of some or all of these reduced reporting and other regulatory requirements. We have elected in this prospectus to take advantage of certain reduced
disclosure requirements discussed above, including those related to the presentation and discussion of our audited financial statements and those relating to our executive compensation arrangements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The JOBS Act also permits an &#147;emerging growth company&#148; to take advantage of an extended transition period to comply with new or
revised accounting standards applicable to public companies. However, we have &#147;opted out&#148; of this provision. As a result, we will comply with new or revised accounting standards to the same extent that compliance is required for <FONT
STYLE="white-space:nowrap">non-emerging</FONT> growth companies. This decision to opt out of the extended transition period under the JOBS Act is irrevocable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Termination of Subchapter S Corporation Status </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Effective January&nbsp;1, 2008, we made an election to be taxed for federal income tax purposes as a &#147;Subchapter S corporation&#148;
under the provisions of Sections 1361 through 1379 of the Internal Revenue Code of 1986, as amended, or the Internal Revenue Code. We terminated our election to be taxed as a Subchapter S corporation effective December&nbsp;31, 2013. During the
period we were taxed as a Subchapter S corporation, our net income was not subject to, and we did not pay, U.S. federal income taxes, and we were not required to make any provision or recognize any liability for federal income taxes in our financial
statements for the year ended December&nbsp;31, 2008 through the year ended December&nbsp;31, 2013. In addition, during these taxable periods that we were a Subchapter S corporation, we paid distributions to our shareholders to assist them in paying
the federal income taxes on the pro rata portion of our taxable income that &#147;passed through&#148; to our shareholders. See &#147;Dividend Policy.&#148; Effective January&nbsp;1, 2014, we became subject to federal income taxation as a C
corporation under Subchapter C of the Internal Revenue Code, and we established deferred tax assets and liabilities effective December&nbsp;31, 2013 to reflect the conversion. Accordingly, beginning January&nbsp;1, 2014, we reflect a provision for
federal income taxes on our financial statements. As a result of that change in our status under the federal income tax laws, the net income and earnings per share data presented for the years ended December&nbsp;31, 2013 and 2012, in the section of
this prospectus entitled &#147;Selected Historical Consolidated Financial Information,&#148; which do not include any provision for federal income taxes, will not be comparable with our historical financial statements for the years ended
December&nbsp;31, 2016, 2015 and 2014, or our future net income and earnings per share, which will be calculated by including a provision for federal income taxes. However, we have included in this prospectus adjusted financial information showing
income tax expense and net earnings as if we were a C corporation at the beginning of the earliest period presented. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>KSOP Repurchase
Right Termination </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In accordance with applicable provisions of the Internal Revenue Code, the terms of our employee stock ownership
plan, or KSOP, currently provide that KSOP participants have the right, for a specified period of time, to require us to repurchase shares of our common stock that are distributed to them by the KSOP. As a result, the shares of common stock held by
the KSOP are reflected in our consolidated balance sheet as a line item (called &#147;KSOP-owned shares&#148;) appearing between total liabilities and shareholders&#146; equity. As a result, the KSOP-owned shares are deducted from shareholders&#146;
equity in our consolidated balance sheet. This repurchase right will terminate upon the closing of this offering and the listing of our common stock on the NASDAQ Global Select Market, which we sometimes refer to as the KSOP Repurchase Right
Termination, whereupon our repurchase liability will be extinguished and the KSOP-owned shares will not be deducted from shareholders&#146; equity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_1"></A>PROSPECTUS SUMMARY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>This summary highlights selected information contained elsewhere in this prospectus and does not contain all of the information that you
should consider before investing in our common stock. You should carefully read the entire prospectus, including the sections entitled &#147;Risk Factors&#148; and &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations,&#148; together with our consolidated financial statements and the related notes, before making an investment decision. Unless the context indicates otherwise, references in this prospectus to &#147;we,&#148; &#147;our,&#148;
&#147;us,&#148; the &#147;Company&#148; and &#147;Guaranty&#148; refer to Guaranty Bancshares, Inc., a Texas corporation and its consolidated subsidiaries. References in this prospectus to &#147;Guaranty Bank&nbsp;&amp; Trust&#148; and the
&#147;Bank&#148; refer to Guaranty Bank&nbsp;&amp; Trust, N.A., a national banking association and our wholly owned consolidated subsidiary. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our
Company </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are a bank holding company, with headquarters in Mount Pleasant, Texas, and additional executive offices in Dallas and
Bryan, Texas. Through our wholly owned subsidiary, Guaranty Bank&nbsp;&amp; Trust, a national banking association, we provide a wide range of relationship-driven commercial and consumer banking, as well as trust and wealth management, products and
services that are tailored to meet the needs of small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses, professionals and individuals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, we had total assets of $1.8&nbsp;billion, total loans of $1.2&nbsp;billion, total deposits of $1.6&nbsp;billion
and total shareholders&#146; equity of $110.3&nbsp;million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our History and Growth </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Guaranty Bank&nbsp;&amp; Trust was originally chartered as a Texas state banking association over a century ago in 1913, and converted its
charter to a national banking association in 2012. Guaranty was incorporated in 1990 to serve as the holding company for Guaranty Bank&nbsp;&amp; Trust. Since our founding, we have built a strong reputation based on financial stability and community
leadership. In 2013 and 2015, we expanded our markets from East Texas to include Bryan/College Station and the Dallas/Fort Worth metroplex, respectively. We currently operate 26 banking locations in 18 Texas communities. Our growth has been
consistent and primarily organic. We have achieved organic growth by enhancing our lending and deposit relationships with existing customers and attracting new customers, as well as cross-selling our deposit, mortgage, trust and wealth management
and treasury management products. Our expansion strategy has enabled us to access markets with stronger loan demand, achieve consistent growth, maintain stable operating efficiencies, preserve our historically conservative credit culture, and
provide shareholders with stable earnings throughout credit cycles. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have supplemented our organic growth and leveraged our strong
deposit base with strategic acquisitions and the establishment of <I>de novo</I> banking locations. In 2011, we expanded our market share within the Texarkana, Texas area of our East Texas market with the acquisition of all loans and deposits of the
Texarkana, Texas banking location of American State Bank. In 2013, we completed the acquisition of The First State Bank, which was located in Hallsville, Texas. We believe this acquisition provided a stable and established platform to expand within
the Longview, Texas area of our East Texas market. We have historically experienced consistent growth in our East Texas market. As of December&nbsp;31, 2011, we had total loans attributable to the East Texas market of $606.3&nbsp;million and total
deposits of $931.8&nbsp;million, which have grown to total loans of $743.7&nbsp;million and total deposits of $1.2&nbsp;billion as of December&nbsp;31, 2016. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In 2013, we expanded outside of East Texas when we established a <I>de novo</I> banking location in the growing Bryan/College Station, Texas
market. We established two more <I>de novo </I>banking locations in this market in 2014 and 2016 and continue to operate all three banking locations. Our strong and stable core deposit base has </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
allowed us to achieve organic loan growth in the Bryan/College Station market, which has increased our interest income. As of December&nbsp;31, 2016, we had total loans of $210.2&nbsp;million and
total deposits of $137.4&nbsp;million attributable to the Bryan/College Station market. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In March 2015, we entered the Dallas/Fort Worth
metroplex market with the acquisition of DCB Financial Corp., or DCB Financial, which owned Preston State Bank, a Texas state-chartered bank headquartered in Dallas, Texas. At the time of our acquisition, DCB Financial operated two locations in
Dallas, Texas, each of which continues to operate as a banking location of Guaranty Bank&nbsp;&amp; Trust. In April 2015, we completed the acquisition of Texas Leadership Bank, a Texas state-chartered bank headquartered in Royse City, Texas, which
is on the eastern side of the Dallas/Fort Worth metroplex. At the time of our acquisition, Texas Leadership Bank operated from a single banking location in Royse City, which we continue to operate. In September 2015, we established a <I>de novo</I>
banking location in Rockwall, Texas, which is located approximately 10 miles west of Royse City and 20 miles east of downtown Dallas. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In
May 2016, we established a <I>de novo</I> banking location in Denton, Texas, which is located approximately 40 miles north of downtown Dallas. In August 2016, we completed the acquisition of a full service Denton banking location from Independent
Bank, in which we assumed certain deposits and acquired all of the fixed assets of the location. We currently operate the former banking location of Independent Bank as a location of Guaranty Bank&nbsp;&amp; Trust. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our acquisitions of DCB Financial, Texas Leadership Bank and the acquired Denton location, as well as the establishment of our <I>de novo</I>
banking locations in Rockwall and Denton, are consistent with our strategy of expanding into the Dallas/Fort Worth metroplex. In total, the aggregate estimated fair values recorded at the time of acquisition in our three Dallas/Fort Worth metroplex
acquisitions were $161.7&nbsp;million in total loans and $164.6&nbsp;million in total deposits. As of December&nbsp;31, 2016, we had grown our total loans attributable to the Dallas/Fort Worth metroplex market to $291.3&nbsp;million and our total
deposits to $213.6&nbsp;million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Following completion of our acquisitions in the Dallas/Fort Worth metroplex in 2015, we established an
executive office in Dallas, which houses our Chief Executive Officer and Chief Financial Officer, as well as our accounting, internal audit, marketing, loan review, treasury management, mortgage warehouse lending and mortgage departments. Mount
Pleasant will continue to serve as the headquarters of Guaranty Bank&nbsp;&amp; Trust and houses our credit operations, deposit services, information technology and human resources departments. We remain committed to successful integration with and
expansion into the Dallas/Fort Worth metroplex and believe that establishing executive offices in Dallas promotes our strategic initiatives to attract quality banking talent and pursue quality loans within a growing metropolitan market, thereby
growing our franchise in the Dallas/Fort Worth metroplex. In addition, we believe that maintaining our deposit services and primary operational departments in Mount Pleasant will allow us to support our continued growth in a cost-efficient manner.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Achievements and Highlights </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our financial and operational achievements and highlights include the following: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Strong Brand and Reputation</I>.&nbsp;&nbsp;During our more than <FONT STYLE="white-space:nowrap">100-year</FONT> operating history, we have forged long-standing relationships with our customers and employees and
have developed deep ties to the East Texas communities that we serve. We are continuously working to solidify our brand and reputation in our newest markets in Dallas/Fort Worth and Bryan/College Station through our strong and active community
involvement. In 2016, we were named #15 on the list of Best Banks to Work For, published by <I>American Banker</I>, a designation awarded to 60 banks throughout the nation. We were also included in the list of 100 Best Companies to Work for in
Texas, published by <I>Texas Monthly</I>, for the eighth consecutive year in 2017. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Successful Execution of Strategic Objectives</I>.&nbsp;&nbsp;The Company&#146;s executive officers and board of directors established a five year strategic plan in 2012 to achieve meaningful loan growth while
maintaining our disciplined underwriting principles and remaining conservative in our securities portfolio. In furtherance of these objectives, the strategic plan included identifying high growth and complementary markets to the Company&#146;s East
Texas footprint to establish <I>de novo </I>locations consistent with an organic growth focus while simultaneously pursuing strategic acquisitions when culture, personnel and geography were favorable. The Company has grown its total assets from
$1.1&nbsp;billion as of December&nbsp;31, 2011 to $1.8&nbsp;billion as of December&nbsp;31, 2016, an increase of 63.6%. During that same time period, we added 12 banking locations, of which six were <I>de novo</I> locations and six were added
through strategic acquisitions. While the costs of pursuing this aggressive five year strategic plan limited shareholder returns during this time period, the board of directors supported this approach because of its long-term scalability and
potential to increase shareholder value. To date, the Company has experienced smooth integrations of all of its new banking locations and established what the Company believes is a strong foundation for a highly successful and profitable business
with continued growth and strong future shareholder returns. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Leadership in Primary Markets</I>.&nbsp;&nbsp;We have a significant East Texas franchise, as demonstrated by our deposit market share in our primary markets. According to data compiled by the Federal Deposit
Insurance Corporation, or FDIC, our deposit market share in the East Texas counties of Titus, Bowie and Lamar was approximately 52.3%, 18.0% and 19.7%, respectively, as of June&nbsp;30, 2016, the most recent date for which market share data is
available. These three counties represented approximately 52.6% of our total deposits at that date. We more than doubled our market share of deposits in Brazos County (Bryan/College Station market) from June&nbsp;30, 2015 to June&nbsp;30, 2016, with
growth in total deposits in that market from $57.7&nbsp;million to $136.4&nbsp;million, which represented approximately 9.1% of our total deposits as of that date. In our Dallas/Fort Worth metroplex market, we grew the $159.9&nbsp;million in
deposits we acquired in March and April of 2015 to $177.0&nbsp;million as of June&nbsp;30, 2016, an increase of 10.6%. As of June&nbsp;30, 2016, we maintained a top three deposit market share ranking in seven of the 15 Texas counties in which we
operate banking locations and a top 10 ranking in 12 of the 15 Texas counties in which we operate banking locations. </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Consistent Growth and Stable Performance</I>.&nbsp;&nbsp;During each of the last five years, we have achieved no less than a 9.5% compound annual growth rate for each of total assets, total deposits and total loans.
We maintained our profitability during the recent economic recession, which generally adversely impacted the banking and financial services industries and, most recently, attained an 8.3% return on average equity for the year ended December&nbsp;31,
2016. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Disciplined Credit Culture</I>.&nbsp;&nbsp;Our <FONT STYLE="white-space:nowrap">in-depth</FONT> knowledge of our markets, stringent credit approval processes and disciplined balance sheet growth strategies have
allowed us to maintain sound asset quality while achieving meaningful loan growth. Our average annualized net charge-offs as a percentage of average loans was 0.12% over the past ten years and was 0.12% for the year ending December&nbsp;31, 2016.
Our average <FONT STYLE="white-space:nowrap">non-performing</FONT> assets as a percentage of total assets was 0.64% over the past ten years and was 0.36% for the year ended December&nbsp;31, 2016. We maintain a long-term focus on our financial
performance by continually managing risk on our balance sheet with the intent of producing consistent results. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Investment in Technology</I>.&nbsp;&nbsp;We also maintain a long-term focus on our franchise and have made significant investments in our information technology infrastructure, personnel and our digital banking
products and services. We believe that these investments have enabled us to more effectively compete with larger institutions while retaining our ability to offer customized, relationship-based services to our customers, and to more easily
accommodate future growth and expansion into new markets. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Growth and Expansion Strategy </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our strategic plan is to be a leading Texas bank holding company with a commitment to operate as a community bank as we continue to execute
our expansion strategy. Our expansion strategy is to generate shareholder value through the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Maintain Focus on Organic Growth.</I><I></I>&nbsp;&nbsp;Focusing on organic growth is a strategy that allows us to generate stable funding sources without the <FONT STYLE="white-space:nowrap">non-amortizing</FONT>
goodwill assets and core deposit intangibles that strategic acquisitions might add to our balance sheet. By design during the past several years, we have offered money market and demand deposit interest rates slightly higher than our peers,
especially in our newer markets, to encourage the growth of these core deposits and set the foundation for strong customer relationships. We believe that these core deposits will become significantly more valuable and desirable because the ability
to attract core deposits at a low cost will diminish as interest rates increase and alternative funding sources become more expensive. Much of our organic growth in 2015 and 2016 was attributable to our newer markets of Bryan/College Station and the
Dallas/Fort Worth metroplex, which we believe provide significant additional opportunities for organic growth in future years. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">We have a history of being a leading provider of financial services to small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT>
businesses (generally with annual revenues of $50.0&nbsp;million or less), professionals and individuals in our traditional East Texas market. In addition, we believe that our significant core deposit franchise in East Texas provides a stable
funding source for meaningful loan growth in existing and new markets. Across all of our markets, we believe that customers value the relationship-driven, quality service we provide, as well as our deep, long-term understanding of their local
communities. Primarily as a result of bank consolidation in our markets, we believe that there are few banking institutions in these markets that have the size or focus to provide comparable levels of service. We also believe that these
consolidation trends with respect to our competitors, particularly in the Dallas/Fort Worth metroplex, present opportunities to acquire new customers and valuable employees from these institutions. The charts below illustrate our successful
commitment to organic loan and deposit growth across our markets, while taking advantage of strategic acquisition opportunities that arise from time to time. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g814489g13s67.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g814489g66k80.jpg" ALT="LOGO">
</TD></TR>
</TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Pursue Strategic Acquisitions.</I><I></I>&nbsp;&nbsp;We intend to continue to grow through strategic acquisitions within our current markets and in other complementary markets, and we believe having publicly-traded
common stock will improve our ability to compete for acquisitions. We seek acquisitions that provide meaningful financial benefits through long-term organic growth opportunities and expense reductions, while maintaining our current risk profile.
Though we do not currently have any specific or immediate acquisition plans, in order to achieve these goals, we seek acquisition opportunities involving talented bankers and banking teams that can execute our business model and contribute to our
growth objectives. Additionally, we seek banking markets with favorable competitive dynamics and potential consolidation opportunities. We believe that many smaller financial institutions will consider us an ideal long-term partner due to our
community banking philosophy, commitment to employee stock ownership and our culture of teamwork. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Establish De Novo Banking Locations.</I>&nbsp;&nbsp;We intend to open <I>de novo</I> banking locations in our existing and other attractive markets in Texas to further diversify our banking location network. In
September 2015 and May 2016, we opened <I>de novo</I> banking locations in Rockwall and Denton, respectively, which are both located in the Dallas/Fort Worth metroplex. Total loans and deposits at the two new locations were $34.1&nbsp;million and
$27.1&nbsp;million, respectively, as of December&nbsp;31, 2016. We also opened <I>de novo</I> banking locations in Bryan/College Station, Texas in June 2013, April 2014 and June 2016. As of December&nbsp;31, 2016, total loans and deposits in our
three Bryan/College Station locations were $210.2&nbsp;million and $137.4&nbsp;million, respectively. The total loans attributable to the Bryan/College Station and Dallas/Fort Worth metroplex markets comprised approximately 16.8% and 23.3%,
respectively, of our total loans as of December&nbsp;31, 2016. We believe these markets have the ability to flourish through varying economic conditions. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">We believe that the Dallas/Fort Worth metroplex and surrounding communities are complementary to our established presence in East Texas. Our
lending focus in the Bryan/College Station and Dallas/Fort Worth metroplex markets has been primarily on commercial real estate and other real estate loans, which provides diversity within our loan portfolio and complements our traditional small
business and retail lending activities in our East Texas market. While we do not currently have specific plans to open <I>de novo</I> branches, our Bryan/College Station presence provides us with a platform to grow and ready access to other nearby
larger markets, including Austin, San Antonio and Houston. Prior to entering a new market, we identify and build a team of experienced, successful bankers with market-specific knowledge to lead the Bank&#146;s operations in that market, including a
local president. As we enter new markets, we also seek to establish a reputation for providing personal and dependable service and active community involvement, which we believe facilitates lasting relationships and continued growth. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Expand Revenue Sources.</I>&nbsp;&nbsp;We seek to provide additional services to our customers in order to augment and diversify our revenue sources. For the year ended December&nbsp;31, 2016, noninterest income
represented approximately $13.0&nbsp;million, or 19.5%, of our total revenue of $66.9&nbsp;million (defined as net interest income plus noninterest income). </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">In 2015, we established a warehouse mortgage lending division in connection with our acquisition of DCB Financial and hired experienced
personnel in 2015 to grow this new line of business. Revenues for the warehouse division are derived primarily from loan origination fees, interest on advances and transaction fees, and the division has experienced significant growth since it was
established. Total mortgage amounts funded through warehouse lines of credit during the year ending December&nbsp;31, 2015 were $332.3&nbsp;million, which produced noninterest income of $154,900. Total mortgage amounts funded through warehouse lines
of credit during </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">
the year ending December&nbsp;31, 2016 were $978.1&nbsp;million, which produced noninterest income of $425,200. Despite the significant growth, there have been no mortgage repurchases or losses
experienced with our warehouse lending borrowers since inception of the division. In addition, Guaranty Bank&nbsp;&amp; Trust is working to expand into eWarehouse lending, which allows a mortgage loan to close, fund and sell to the end investor
entirely electronically, and we expect to produce our first eWarehouse line of credit in the second quarter of 2017. As of the date of this prospectus, only five financial institutions in the nation are included in the list of warehouse lenders
currently funding eNotes that is maintained by the Federal National Mortgage Association, or Fannie Mae. As such, we expect to be one of very few banks offering eWarehouse lending and anticipate growth in our warehouse lending division as mortgage
originators, consumers and investors increasingly transition to paperless mortgages, driving demand for eWarehouse lines of credit. We believe that our mortgage warehouse division offers significant potential for future revenue. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">Consistent with our focus on cross-selling services to our customers, we offer trust and wealth management services through our wealth
management group and mortgage services through our mortgage department, both of which operate as divisions of Guaranty Bank&nbsp;&amp; Trust. As of December&nbsp;31, 2016, our wealth management group had total assets under management of
$265.7&nbsp;million. During the year ended December&nbsp;31, 2016, our mortgage department originated $62.6&nbsp;million in mortgage loans. Both divisions are well established and have significant growth potential in our newer Dallas/Fort Worth
metroplex and Bryan/College Station markets, each of which has a higher volume of home sales and a larger concentration of high net worth individuals as compared to our traditional East Texas market. Our mortgage origination strategy is to increase
market share without sacrificing our standards and regardless of fluctuations in interest rates or volume. We have developed a scalable platform for mortgage originations within our mortgage department and believe that we have significant
opportunities to grow this segment of our business. In an effort to further grow our wealth management and mortgage divisions in Bryan/College Station and the Dallas/Fort Worth metroplex, we intend to enhance our business development and
cross-selling efforts in those markets. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Although we are devoting substantial resources in furtherance of our expansion strategy,
there are no assurances that we will be able to further implement our expansion strategy or that any of the components of our expansion strategy will be successful. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Community Banking Philosophy and Culture </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We focus on a community-based relationship model, as opposed to a line of business model, because we believe the community-based relationship
model promotes an entrepreneurial attitude within our Company while providing personal attention and solutions tailored to our customers. Our culture is one of employee ownership and it is something we take very seriously. In 2016, we formally
documented our culture in a book called &#147;The Guaranty Culture,&#148; which we give to all prospective new hires and directors before they join our team so that they clearly understand who we are, how we work, what we believe, how we make
decisions and what we admire in people. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe a great bank requires the right amount of two forms of capital: financial and human.
We understand that our ability to successfully deploy our financial capital is directly related to our ability to bring the right talents together to lead our teams. This focus on human capital has rewarded us with a cohesive group of directors,
officers and employees that we believe is our greatest asset. We have invested in a robust management training program designed to develop comprehensive bankers who understand all aspects of our operations and
</P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
embrace our core values. The training program generally lasts <FONT STYLE="white-space:nowrap">18-24</FONT> months and includes rotations through each primary department of the Bank. Successful
graduates of our training program are typically promoted to a managerial position upon completion and we currently have graduates in management, lending and operational roles. Several of the Bank&#146;s market presidents and managers are graduates
of our training program. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have developed a network of banking locations strategically positioned in separate and distinct communities.
Each community where we have a banking location is overseen by a local market president or manager, and we emphasize local decision-making by experienced bankers supported by centralized risk and credit oversight. We believe that employing local
decision makers, supported by industry-leading technology and centralized operational and credit administration support from our corporate headquarters, allows us to serve our customers&#146; individual needs while managing risk on a uniform basis.
We intend to repeat this scalable model in each market in which we are able to identify high-caliber bankers with a strong banking team. We empower these bankers to implement our operating strategy, grow our customer base and provide the highest
level of customer service possible. We believe our organizational approach enables us to attract and retain talented bankers and banking teams who desire the combination of the Bank&#146;s size and loan limits, dedication to culture, commitment to
our communities, local decision-making authority, compensation structure and focus on relationship banking. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Competitive Strengths </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe the following competitive strengths support our growth and expansion strategy: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Experienced Executive Management Team</I>.&nbsp;&nbsp;The Bank has a seasoned and experienced executive management team with a combined 277 years of experience in financial services businesses between its nine
members. Our executive management team has successfully managed profitable organic growth, executed acquisitions, developed a strong credit culture and implemented a relationship-based approach to commercial and consumer banking. In addition, our
executive management team has extensive knowledge of the bank regulatory landscape, significant experience navigating interest rate and credit cycles and a history of working together. The nine members of the Bank&#146;s executive management team
have worked for the Bank for a combined 130 years. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Employee Ownership Mentality.</I>&nbsp;&nbsp;As of December&nbsp;31, 2016, our directors, officers and employees, as a group, beneficially owned approximately 37.8% of our outstanding shares of common stock
(including 15.1% of our outstanding shares which are owned by our KSOP). Many of our employees&#146; interests in the KSOP represent material portions of their net worth, particularly our long-tenured employees. We believe that the KSOP&#146;s
material ownership position promotes an owner-operator mentality among our employees, from senior officers to entry-level employees, which we believe enhances our employees&#146; dedication to our organization and the execution of our strategy. In
addition, we believe the KSOP enhances our ability to attract and retain quality employees. In 2017, we were included in the list of 100 Best Companies to Work for in Texas, published by <I>Texas Monthly</I>, for the eighth consecutive year, and in
2016 we were named #15 on the list of Best Banks to Work For, published by <I>American Banker</I>, with both awards having been determined on the basis of anonymous employee surveys. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Proven Successful Execution of Growth Strategies.&nbsp;&nbsp;</I>We have developed a strategic growth plan that allows the Company to quickly identify and efficiently execute corporate transactions that we believe
enhance our geographic footprint and enterprise value. Since 2011, we have successfully integrated six acquired locations into our Company through what we believe is an effective combination of comprehensive integration planning, extensive
management experience with expansion, and a welcoming and flexible culture of employee ownership. In that same time period, we also established six de novo locations outside of our historical East Texas market, achieving our objectives for organic
growth within our anticipated time periods and successfully integrating new local management teams and employees into our Company. Accordingly, we have a proven track record of executing value-added acquisitions and achieving consistent, meaningful
organic growth. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Scalable Platform.</I>&nbsp;&nbsp;Utilizing the significant prior experience of our management team and employees, we believe that we have built a strong and scalable operational platform, including technology and
banking processes and infrastructure, capable of supporting future organic growth and acquisitions when the right opportunities arise. We maintain operational systems and staffing that we believe are stronger than necessarily required for a
financial institution of our size in order to successfully execute integrations when needed and accommodate future growth without a commensurate need for expansion of our back office capabilities. We believe our platform allows us to focus on
growing the revenue-generating divisions of our business while maintaining our operational efficiencies, resulting in improved profitability. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Disciplined Credit Culture and Robust Risk Management Systems.</I>&nbsp;&nbsp;We seek to prudently mitigate and manage our risks through a disciplined, enterprise-wide approach to risk management, particularly
credit, compliance, operational and interest rate risk. All of the Bank&#146;s executive officers serve on the Bank&#146;s Enterprise Risk Management Committee. We endeavor to maintain asset quality through an emphasis on local market knowledge,
long-term customer relationships, consistent and thorough underwriting for all loans and a conservative credit culture. We have not traditionally engaged in significant oil and gas related lending, with only 0.36% of our total loan portfolio, or
$4.5&nbsp;million, consisting of oil and gas related loans as of December&nbsp;31, 2016. Due to our conservative credit culture, our highest annual rate of net loan charge-offs as a percentage of average loans over the past ten years was 0.17%
(compared to an average of 0.57% for all banks between $1.0&nbsp;billion and $3.0&nbsp;billion in assets located in the Dallas/Fort Worth metroplex, East Texas or Central Texas regions, which we refer to as our regional peer group, and compared to
an average of 1.01% for all banks of the same size nationally, which we refer to as our national peer group), and our average annual rate of nonperforming assets as a percentage of total assets over the same period never exceeded 0.99% (compared to
our regional peer group average highest annual rate of 2.24% and our national peer group average highest annual rate of 3.05%). As illustrated in the chart below, the Bank significantly outperformed our regional and national peer groups during the
last financial crisis period (2008 &#150; 2011) with respect to net loan charge-offs as a percentage of average loans. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g09h21.jpg" ALT="LOGO">
 </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Brand Strength and Reputation.</I>&nbsp;&nbsp;We believe our brand recognition, including the Guaranty name and our iconic &#147;G&#148; logo, which is prominently displayed in all of our advertising and marketing
materials and has been trademarked to preserve its integrity, is an important element of our business model and a key driver of our future growth. We have developed our brand primarily through strategic marketing and advertising initiatives and
through our involvement and visibility within the communities we serve. We believe our reputation for providing personal and dependable service and active community involvement is well established in our traditional East Texas market, and we are
continuously striving to replicate that brand awareness and reputation in our newer markets of Bryan/College Station and the Dallas/Fort Worth metroplex through a high level of community involvement and the targeted hiring of employees with strong
relationships and reputations within these markets. We believe the strength of our brand and our reputation enable us to attract customers who value our customer service mission and banking teams that value our market management model and
entrepreneurial culture. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Diversified Markets.&nbsp;&nbsp;</I>We operate in diverse markets that we believe are stable and growing. We have designated East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex as our primary
markets; however, our longer-term strategy is to expand our markets to include other major metropolitan areas of Texas. The differing characteristics of our various markets have allowed us to grow a balanced and diverse loan portfolio, without any
significant customer or lending segment concentrations. In addition, we have historically managed our commercial real estate concentration ratios at or below current regulatory guidelines. The graph below shows our loan portfolio composition for
each of our three markets. </TD></TR></TABLE>  <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g26n12.jpg" ALT="LOGO">
 </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Stable Core Deposit Base</I>.&nbsp;&nbsp;We believe our traditional East Texas market provides a historically stable source of core deposits and will become a greater source of funding as interest rates increase and
core deposits become more difficult and more expensive to attract, especially in more competitive markets. As we enter new markets, we believe that our stable core deposit base enhances our ability to pursue loans in large, high growth markets and
to fund other new revenue sources such as our warehouse lending division. As of December&nbsp;31, 2016, our <FONT STYLE="white-space:nowrap">non-interest</FONT> bearing deposits were 22.75% of our total deposits. Among our interest-bearing deposits,
72.0% were in less volatile NOW, savings and money market accounts. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">Our cost of interest-bearing deposits has decreased
from 0.85% for the year ended December&nbsp;31, 2012 to an annual average of 0.64% for the four years ended December&nbsp;31, 2016. We have historically paid slightly higher rates on interest-bearing deposits than our peers in an effort to attract
and maintain core deposits, especially in low interest rate environments like the current one. In furtherance of this strategy, our overall cost of funds increased slightly compared to our peers during the years ended December&nbsp;31, 2014, 2015
and 2016 as we intentionally offered slightly higher rates on deposits in our Bryan/College Station and Dallas/Fort Worth metroplex markets in an effort to attract depositors to our <I>de novo </I>banking locations and solidify new customer
relationships in those </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">
markets. While we have successfully completed strategic acquisitions in the past and will continue to thoughtfully consider acquisition opportunities, we believe the costs of growing our core
deposits organically in this manner are often less than the costs of the goodwill and core deposit intangibles that typically accompany strategic acquisitions and that the customer relationships we build are deeper and longer-lasting. We also have
not historically relied on brokered deposits. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Technology and Online Banking Leadership.</I>&nbsp;&nbsp;We believe that financial institutions are increasingly becoming technology companies, and we invest in technology that we believe should enhance our business
and customer experience, as well as enable us to integrate and oversee our banking location network while operating in geographically disparate markets. To implement our commitment to technology, we have developed our technology team to include
specialists in virtualization, storage area networks, and information security. The investment we have made in a new core processing system has created a scalable corporate infrastructure that has significantly expanded our ability to handle
continued growth and improve our levels of operational efficiency. We have continued to enhance our online presence through improvements to our digital banking platforms. We have also invested in our business intelligence and data analytics
platforms, which allow us to make better decisions through observed trends and behaviors identified across multiple information systems. Finally, we have developed internal expertise in business platform application development that has improved our
ability to create dynamic and customized applications to meet our evolving needs for processing and reporting across all areas of our organization. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Markets </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We consider our current
market areas to be East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex. We serve these communities from our headquarters in Mount Pleasant, Texas and through a network of 17 banking locations within East Texas, three banking
locations in Bryan/College Station and six banking locations in the Dallas/Fort Worth metroplex. As part of our strategic plan, we intend to further diversify our markets through entry into other large metropolitan markets in Texas. In addition to
our recent expansions into Bryan/College Station and the Dallas/Fort Worth metroplex, we believe there are several markets in the Central Texas region that are attractive for future expansion, particularly due to those markets&#146; proximity to our
Dallas/Fort Worth metroplex and Bryan/College Station markets. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have a significant East Texas franchise as demonstrated by our deposit market share
in the East Texas counties in which we operate. According to data compiled by the FDIC, our deposit market share in the East Texas counties of Titus, Bowie and Lamar was approximately 52.3%, 18.0% and 19.7%, respectively, as of June&nbsp;30, 2016.
These three counties represent approximately 52.6% of our total deposits. As of June&nbsp;30, 2016, we were one of the three largest banks by deposit share in seven of the 15 Texas counties in which we operate banking locations and one of the ten
largest banks by market share in 12 of the 15 Texas counties in which we operate banking locations. We more than doubled our market share of deposits in Brazos County (Bryan and College Station locations) from June&nbsp;30, 2015 to June&nbsp;30,
2016, which represented approximately 9.1% of our total deposits as of that date and positioned us as one of the 10 largest banks by deposit share in the county entirely through organic growth only three years after first entering the market. The
table below shows data for each of the counties and markets in which we have banking locations regarding total deposits, deposit market share, and compound average growth rates for deposits since June&nbsp;30, 2011. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Texas County</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Total&nbsp;Deposits&nbsp;($000)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Deposit&nbsp;Share&nbsp;</B><br><B>Rank</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>#&nbsp;of&nbsp;Banking</B><br><B>Locations</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Deposit&nbsp;Market</B><br><B>Share (%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Five&nbsp;Year&nbsp;Deposit</B><br><B>CAGR (%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:43.65pt; font-size:10pt; font-family:Times New Roman"><B></B><I>East Texas</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Titus</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">338,570&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bowie</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258,935&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.0&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lamar</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">190,753&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hopkins</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,212&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Camp</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,080&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gregg</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,472&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hunt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,699&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Red River</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,010&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harrison</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,920&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Franklin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,440&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cass</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:118.55pt; font-size:10pt; font-family:Times New Roman"><B></B><I>Dallas/Fort Worth Metroplex</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dallas</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104,878&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rockwall</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,018&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Denton</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,056&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:89.30pt; font-size:10pt; font-family:Times New Roman"><B></B><I>Bryan/College Station</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Brazos</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">136,445&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,498,616&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.7&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:36%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">* Data as of
June&nbsp;30, 2016; Source: FDIC. As of December&nbsp;31, 2016, we operated three banking locations in Brazos County and one in Gregg County. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our traditional East Texas market is a stable region comprised primarily of smaller
communities served by forestry, oil and gas, manufacturing, government, education and healthcare related industries. According to the Texas Comptroller of Public Accounts, job growth in East Texas for the period between 2004 and 2014 was 9.8%,
compared to 5.5% nationally during the same period. Major employers in our East Texas market include Kimberly-Clark, Campbell Soup, Pilgrim&#146;s Pride, Priefert Manufacturing, Luminant Electric Generation and Mining, Big Tex Trailer Manufacturing,
Walmart, Eastman Chemical, Red River Army Depot&nbsp;&amp; Tenants, Cooper Tire&nbsp;&amp; Rubber, International Paper and several regional and county hospitals, government agencies and independent school districts. The table below includes some
basic information on each of the East Texas counties in which we operate: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:59.15pt; font-size:10pt; font-family:Times New Roman"><B>Texas County</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Population<BR>(2015&nbsp;estimate)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Population&nbsp;Growth<BR>since&nbsp;2010&nbsp;(estimated)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Median&nbsp;Household</B><br><B>Income<BR>(2015&nbsp;estimate)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bowie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Camp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cass</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.5</TD>
<TD NOWRAP VALIGN="bottom">)%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Franklin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41,537</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gregg</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">47,639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harrison</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,746</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hopkins</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hunt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lamar</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.7</TD>
<TD NOWRAP VALIGN="bottom">)%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Red River</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.2</TD>
<TD NOWRAP VALIGN="bottom">)%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Titus</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,623</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:36%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">* Data
as of July&nbsp;1, 2015; Source: US Census Bureau. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our East Texas market has a relatively low cost of living and a workforce with lower
wage requirements as compared to more urban areas of Texas. According to the Texas Workforce Commission, the mean annual wages for all occupations in the North East Texas Workforce Development Area (which includes thirteen of our <FONT
STYLE="white-space:nowrap">twenty-six</FONT> locations, including our headquarters, and almost <FONT STYLE="white-space:nowrap">two-thirds</FONT> of our deposits) for the second quarter of 2016 was $37,076, compared to $52,000 in Texas and $51,428
nationally. According to the Texas Comptroller of Public Accounts, the East Texas region supports a stable workforce and continues to serve as a key supplier of resources vital to the Texas economy. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our decision to expand into Bryan/College Station and the Dallas/Fort Worth metroplex was driven by their proximity to our traditional East
Texas market, strong economic and demographic growth in those markets, and our ability to attract talented bankers and employees to facilitate our expansion in those markets. According to US Census Bureau estimates, as of July 2015, the Dallas/Fort
Worth metroplex was the fourth most populous metro area in the United States, with a population of over 7.1&nbsp;million. The Dallas/Fort Worth metroplex has a low unemployment rate relative to the national rate (3.7% compared to 4.5% in 2016) and
high annual job growth relative to the national rate (2.7% compared to 1.5% in 2016), according to the US Bureau of Labor Statistics, with the 92,300 new jobs added in 2016 accounting for almost half of the 188,000 jobs added in the state of Texas.
The Dallas/Fort Worth metroplex is the second fastest growing metro area in the United States in absolute terms, behind only Houston, adding almost 400 new residents per day between 2014 and 2015, according to the US Census Bureau. The market is
well-diversified, without being overly reliant on any particular sector, and is the headquarters for 20 Fortune 500 and 39 Fortune 1000 companies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The adjoining towns of Bryan and College Station are well-situated between Austin, Houston, and Dallas, three of the four largest metro areas
in Texas and two of the five largest in the nation, and within 170 miles of San Antonio, the third-largest metro area in Texas. Bryan/College Station had an estimated combined population of approximately 190,000 in 2015, an increase of almost 20,000
people since 2010, according to the </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
US Census Bureau. College Station is home to Texas A&amp;M University, the largest institution of higher learning in the state, which helps explain the market&#146;s relatively young (in 2010,
the US Census Bureau found 73.7% of residents were between ages 18 and 64, compared to 62.4% in Texas and 63.0% nationally) and well-educated (in 2015, the US Census Bureau estimated 42.6% of residents over age 25 had a bachelor&#146;s degree or
higher, compared to 27.6% in Texas and 29.8% nationally) population. According to the US Bureau of Labor Statistics, Bryan/College Station&#146;s unemployment rate in December 2016 was 3.4%, compared to 4.6% in Texas and 4.7% nationally. The local
governments of Bryan and College Station have <FONT STYLE="white-space:nowrap">pro-business</FONT> attitudes and policies, as evidenced by their recent partnering with each other and Texas A&amp;M University to create a business district known as
Atlas to attract companies engaged in the manufacture of biologics, pharmaceuticals, nutraceuticals and medical devices, with the project just breaking ground in January of this year. In 2013, Cognizant, a Fortune 500 technology company, relocated
from New Jersey to College Station, citing the <FONT STYLE="white-space:nowrap">pro-business</FONT> environment in College Station and Texas generally and the availability of a young and educated workforce. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Recent Developments </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We expect to
report net income in the range of $3.4&nbsp;million to $3.6 million for the three months ended March&nbsp;31, 2017 as compared to $2.7&nbsp;million for the three months ended March&nbsp;31, 2016 and $3.6&nbsp;million for the three months ended
December&nbsp;31, 2016.&nbsp;&nbsp;&nbsp;&nbsp;The increase in net income year-over-year is primarily attributable to growth in outstanding loans and a corresponding increase in net interest income. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of March&nbsp;31, 2017, total loans, excluding loans held for sale, were $1.3 billion, representing a $8.0&nbsp;million increase from
December&nbsp;31, 2016 and a $111.1&nbsp;million increase from March&nbsp;31, 2016. Total deposits were $1.7&nbsp;billion as of March&nbsp;31, 2017, representing an increase of $94.4&nbsp;million from December&nbsp;31, 2016, and a
$148.5&nbsp;million increase from March&nbsp;31, 2016. Increases in our total loans and total deposits were largely driven by execution of our strategic plan and our continued focus on strengthening and developing new and existing customer
relationships in our market areas. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our expected net income for the three month period ending March&nbsp;31, 2017 is a preliminary
estimate and subject to closing procedures, which we expect to complete after the completion of this offering. These closing procedures could result in material changes to our preliminary estimate indicated above. The foregoing estimate constitutes
a forward-looking statement and is subject to risks and uncertainties, including those described under &#147;Risk Factors&#148; in this prospectus. Accordingly, our final results for the three month period ending March&nbsp;31, 2017 may not be
consistent with the foregoing estimates. See &#147;Risk Factors&#151;Risks Related to Our Business&#148; and &#147;Forward-Looking Statements.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Corporate Information </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our principal
executive office is located at 201 South Jefferson Avenue, Mount Pleasant, Texas 75455, and our telephone number is <FONT STYLE="white-space:nowrap">(903)&nbsp;572-9881.</FONT> Our website address is www.gnty.com. Information contained on or that
can be accessed through our website does not constitute a part of this prospectus and is not incorporated by reference into this prospectus. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The Offering </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Common stock offered by us </P></TD>
<TD>2,000,000 shares. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Underwriters&#146; option to purchase additional shares of common stock </P></TD>
<TD>300,000 shares. </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Common stock to be outstanding after this offering </P></TD>
<TD>10,753,933 shares of common stock, assuming the underwriters do not exercise their over-allotment option (11,053,933 shares if the underwriters exercise their option to purchase additional shares of common stock in full). </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Use of proceeds </P></TD>
<TD>Assuming an initial public offering price of $27.00 per share, which is the midpoint of the price range set forth on the cover page of this prospectus, we estimate that the net proceeds to us from the sale of our common stock in this offering
will be $48.4 million (or $56.0 million if the underwriters exercise in full their option to purchase additional shares of common stock), after deducting estimated underwriting discounts and commissions and offering expenses payable by us. We intend
to use the net proceeds to us from this offering to further implement our expansion strategy (though we do not have any immediate plans to do so), repay a portion of our corporate debt, fund organic growth in our banking markets and for general
corporate purposes. See &#147;Use of Proceeds.&#148; </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Dividend policy </P></TD>
<TD>Beginning in the first quarter of 2017, we anticipate paying a quarterly dividend on our common stock in an amount equal to approximately 25.0% to 30.0% of our net income for the immediately preceding quarter, subject to the discretion of our
board of directors. Dividends from Guaranty Bank&nbsp;&amp; Trust are the principal source of funds for the payment of dividends on our common stock. Guaranty Bank&nbsp;&amp; Trust is subject to certain restrictions that may limit its ability to pay
dividends to us. See &#147;Dividend Policy.&#148; </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Directed share program </P></TD>
<TD> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">At our request, the underwriters have reserved for sale, at the initial public offering price, up to 140,000&nbsp;shares of common stock offered by this
prospectus for sale to our directors, officers, employees and certain other persons who have expressed an interest in purchasing shares in this offering. We will offer these reserved shares to the extent permitted under applicable laws and
regulations in the United States through a directed share program. Reserved shares purchased by our directors and officers will be subject to the <FONT STYLE="white-space:nowrap">lock-up</FONT> provisions described in &#147;Underwriting &#151; <FONT
STYLE="white-space:nowrap">Lock-Up</FONT> Agreements.&#148; The number of </P></TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="48%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:0%; font-size:10pt; font-family:Times New Roman">
shares of our common stock available for sale to the general public will be reduced to the extent these persons purchase the reserved shares. Any reserved shares of our common stock that are not
so purchased will be offered by the underwriters to the general public on the same terms as the other shares of our common stock offered by this prospectus. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Securities owned by directors and named executive officers </P></TD>
<TD>As of April 28, 2017, our directors and named executive officers beneficially owned approximately 24.5% of our outstanding common stock, including shares held by our KSOP and allocated to the accounts of our named executive officers. Following
the completion of this offering, we anticipate that our directors and named executive officers will beneficially own approximately 19.9% of our common stock (or 19.4% if the underwriters exercise their option to purchase additional shares of common
stock in full). See &#147;Principal Shareholders.&#148; </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Listing </P></TD>
<TD>We have applied to list our common stock on the NASDAQ Global Select Market under the trading symbol &#147;GNTY.&#148; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="48%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Risk factors </P></TD>
<TD>Investing in our common stock involves risks. See &#147;Risk Factors,&#148; beginning on page 20, for a discussion of factors that you should carefully consider before investing in our common stock. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">References in this section to the number of shares of our common stock outstanding after this offering are based upon 8,753,933 shares of common stock issued
and outstanding as of April 28, 2017. Unless expressly indicated or the context requires otherwise, all information in this prospectus: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">assumes no exercise by the underwriters of their option to purchase up to an additional 300,000 shares of our common stock; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">assumes that the shares of common stock sold in this offering are sold at $27.00 per share, which is the <FONT STYLE="white-space:nowrap">mid-point</FONT> of the range set forth on the cover page of this prospectus;
</TD></TR></TABLE>  <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">does not attribute to any director, officer, or principal shareholder any purchases of shares of our common stock in this offering, including through the directed share program described in &#147;Underwriting &#150;
Directed Share Program;&#148; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">excludes 1,000,000 shares of our common stock reserved for issuance under the Guaranty Bancshares, Inc. 2015 Equity Incentive Plan, 331,000 of which are currently subject to outstanding stock options with a weighted
exercise price of $23.76 per share; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">excludes 7,367 shares of our common stock subject to outstanding stock options issued under the DCB Financial Corp. Stock Option Plan with an exercise price of $11.94 per share, which we assumed in connection with our
acquisition of DCB Financial Corp. in March 2015. </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_2"></A>SELECTED HISTORICAL CONSOLIDATED FINANCIAL INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following tables set forth certain of our summary historical consolidated financial information for each of the periods indicated. The
historical information as of and for the years ended December&nbsp;31, 2016 and 2015 has been derived from our audited consolidated financial statements included elsewhere in this prospectus, and the selected historical consolidated financial
information as of and for the years ended December&nbsp;31, 2014, 2013 and 2012 has been derived from our audited consolidated financial statements not appearing in this prospectus. The historical results set forth below and elsewhere in this
prospectus are not necessarily indicative of our future performance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">You should read the following together with the sections entitled
&#147;Capitalization&#148; and &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations,&#148; and our audited consolidated financial statements and the related notes included elsewhere in this prospectus.
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" COLSPAN="20" ALIGN="center"><B>(Dollars in Thousands, except Per Share Amounts)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="20"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Selected Period End Balance Sheet Data:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,828,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,682,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,334,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,246,451</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,160,070</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,662</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,462</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">272,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,022</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">246,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">278,973</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">131,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,866</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,915</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">699,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">627,088</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,436</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,691</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Core deposit intangibles, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,846</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,881</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,433</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">358,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">325,556</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">250,242</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195,673</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,218,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,140,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">826,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">760,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,576,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,466,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,076,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,001,813</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">956,467</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Subordinated debentures</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Other Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,775</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total shareholders&#146; equity less</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">KSOP-owned</FONT> shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75,989</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70,964</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Pro forma total shareholders&#146; equity<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,095</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of and for the Years Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Selected Income Statement Data:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;53,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;47,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;39,123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;35,368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;31,843</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net interest income after provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,584</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,801</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,623</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,779</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,854</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net realized gain (loss) on sale of securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(212</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,590</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Income before income tax</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Income tax (benefit) expense<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Dividends paid to common
shareholders<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,863</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of and for the Years Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Per Share Data:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Earnings per common share, basic<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Earnings per common share, diluted<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Book value per common share<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tangible book value per common share<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP><SUP
STYLE="font-size:85%; vertical-align:top">(5)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Weighted average common shares outstanding, basic, in thousands<SUP
STYLE="font-size:85%; vertical-align:top">(6)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,796</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,771</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Weighted average common shares outstanding, diluted, in thousands<SUP
STYLE="font-size:85%; vertical-align:top">(6)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,976</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,771</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,243</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of and for the Years Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B><br><B>(pro&nbsp;forma)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B><br><B>(pro&nbsp;forma)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Pro Forma Information as if a C&nbsp;Corporation:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15,476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Income tax provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,009</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Pretax <FONT STYLE="white-space:nowrap">pre-provision</FONT> and
<FONT STYLE="white-space:nowrap">pre-securities</FONT> gain (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,394</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,273</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,950</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Basic earnings per share<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Diluted earnings per share<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="94%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Summary Performance Ratios:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Return on average assets<SUP STYLE="font-size:85%; vertical-align:top">(7)(8)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.76%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.38%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Return on average equity<SUP STYLE="font-size:85%; vertical-align:top">(7)(8)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.34&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.44&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.69&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.98&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.40&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net interest margin<SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.27&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.23&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.07&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Efficiency ratio<SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.46&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.99&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.53&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67.74&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.51&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Loans to deposits ratio<SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78.97&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72.89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73.20&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.79&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65.56&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest income to average
assets<SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.73&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.74&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.85&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.27&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest expense to average
assets<SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.61&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.75&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.74&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.67&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.64&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Summary Credit Quality Ratios:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Nonperforming assets to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.69%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.55%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Nonperforming loans to total
loans<SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.52&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.03&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.78&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Allowance for loan losses to nonperforming loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260.47&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">381.04&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189.38&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98.06&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129.51&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Allowance for loan losses to total
loans<SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Net charge-offs to average loans
outstanding<SUP STYLE="font-size:85%; vertical-align:top">(12)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.06&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.09&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.15&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"><B>Capital Ratios:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total shareholders&#146; equity to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.76%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.42%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.79%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.43%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tangible common equity to tangible
assets<SUP STYLE="font-size:85%; vertical-align:top">(13)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.64&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.94&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.80&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.06&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.94&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Common equity tier 1 capital (CET1) to risk-weighted assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.43&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to average assets<SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.33&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.05&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.80&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.87&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to risk-weighted assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.03&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.30&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.65&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.30&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.01&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total capital to risk-weighted assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.86&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.08&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.22&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.92&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;margin-left:3%;border-bottom:1px solid #000000; width:36%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Reflects the total shareholders&#146; equity of the Company after giving effect to the KSOP Repurchase Right Termination. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:8pt">Effective January&nbsp;1, 2008, we made an election to be taxed for federal income tax purposes as a Subchapter S
corporation under the provisions of Sections 1361 through 1379 of the Internal Revenue Code. We terminated our election to be taxed as a Subchapter S corporation effective December&nbsp;31, 2013. As a result, for the taxable periods applicable to
the years ended December&nbsp;31, 2008 through December&nbsp;31, 2013, our net income was not subject to, and we did not pay, U.S. federal income taxes, and no provision or liability for federal or state income tax has been included in our audited
consolidated financial </P></TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="8%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:8pt">
statements for the years ended December&nbsp;31, 2012 and 2013, except as presented on a pro forma basis in our audited consolidated financial statements for the year ended December&nbsp;31,
2013. Additionally, distributions made to our shareholders in respect of their federal income tax liability of $5.2&nbsp;million in 2012 and $10.2&nbsp;million in 2013 are not considered dividends paid to common shareholders. Despite the termination
of our Subchapter S election, we paid dividends of $0.50 per share and a special dividend of $1.00 per share for the year ended December&nbsp;31, 2014, since all dividends we pay for the first 12 months following the termination of our Subchapter S
election were not subject to federal income taxation. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Basic and diluted earnings per share for the years ended December&nbsp;31, 2013 and 2012 are currently based on income before taxes due to our conversion from an S corporation to a C corporation, effective
December&nbsp;31, 2013. However, unaudited pro forma information is presented as if a C corporation for all periods under the heading &#147;Unaudited Pro Forma Information as if a C Corporation.&#148; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Book value per common share and tangible book value per common share calculations reflect the Company&#146;s pro forma total shareholders&#146; equity. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">We calculate tangible book value per common share as total shareholders&#146; equity less goodwill, core deposit intangibles and other intangible assets, net of accumulated amortization at the end of the relevant
period, divided by the outstanding number of shares of our common stock at the end of the relevant period. Tangible book value per common share is a financial measure that is not recognized by, or calculated in accordance with, U.S. generally
accepted accounting principles, or GAAP, and, as we calculate tangible book value per common share, the most directly comparable GAAP financial measure is total shareholders&#146; equity per common share. See our reconciliation of <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measures to their most directly comparable GAAP financial measures under the caption &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations &#151; <FONT
STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures.&#148; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Weighted average common shares outstanding as of December&nbsp;31, 2013 and 2012 have been adjusted to reflect the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">2-for-1</FONT></FONT> stock split we
completed on August&nbsp;20, 2014. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">We calculate our average assets and average equity for a period by dividing the period end balances of our total assets or total shareholders&#146; equity, as the case may be, by the number of months in the period.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">We have calculated our return on average assets and return on average equity for a period by dividing net earnings for that period by our average assets and average equity, as the case may be, for that period.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top">Net interest margin represents net interest income divided by average interest-earning assets. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top">The efficiency ratio was calculated by dividing total noninterest expenses by net interest income plus noninterest income, excluding securities losses or gains. Taxes are not part of this calculation. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top">Excludes loans held for sale of $2.6&nbsp;million, $3.9&nbsp;million, $3.9&nbsp;million, $7.1&nbsp;million, and $9.4&nbsp;million for the years ended December&nbsp;31, 2016, 2015, 2014, 2013, and 2012, respectively.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top">Includes average outstanding balances of loans held for sale of $3.0&nbsp;million, $4.4&nbsp;million, $4.2&nbsp;million, $6.3&nbsp;million, and $5.9&nbsp;million for the years ended December&nbsp;31, 2016, 2015, 2014,
2013, and 2012, respectively. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(13)</TD>
<TD ALIGN="left" VALIGN="top">We calculate tangible common equity as total shareholders&#146; equity less goodwill, core deposit intangibles and other intangible assets, net of accumulated amortization, and we calculate tangible assets as total
assets less goodwill and core deposit intangibles and other intangible assets, net of accumulated amortization. Tangible common equity to tangible assets is a financial measure that is not recognized by or calculated in accordance with GAAP, or a <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measure, and, as we calculate tangible common equity to tangible assets, the most directly comparable GAAP financial measure is total shareholders&#146; equity to total assets. See our
reconciliation of <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures to their most directly comparable GAAP financial measures under the caption &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations &#151; <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures.&#148; </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_3"></A>RISK FACTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Investing in our common stock involves a significant degree of risk. You should carefully consider the following risk factors, in addition
to the other information contained in this prospectus, including our consolidated financial statements and related notes, before deciding to invest in our common stock. Any of the following risks could have an adverse effect on our business,
financial condition, results of operations and future prospects. As a result, the trading price of our common stock could decline, and you could lose all or part of your investment. </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Risks Related to Our Business </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may not be able
to implement aspects of our expansion strategy, which may adversely affect our ability to maintain our historical earnings trends. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our expansion strategy focuses on organic growth, supplemented by strategic acquisitions and expansion of the Bank&#146;s banking location
network, or <I>de novo</I> branching. We may not be able to execute on aspects of our expansion strategy, which may impair our ability to sustain our historical rate of growth or prevent us from growing at all. More specifically, we may not be able
to generate sufficient new loans and deposits within acceptable risk and expense tolerances, obtain the personnel or funding necessary for additional growth or find suitable acquisition candidates. Various factors, such as economic conditions and
competition with other financial institutions, may impede or prohibit the growth of our operations, the opening of new banking locations and the consummation of acquisitions. Further, we may be unable to attract and retain experienced bankers, which
could adversely affect our growth. The success of our strategy also depends on our ability to effectively manage growth, which is dependent upon a number of factors, including our ability to adapt our credit, operational, technology and governance
infrastructure to accommodate expanded operations. If we fail to implement one or more aspects of our strategy, we may be unable to maintain our historical earnings trends, which could have an adverse effect on our business, financial condition and
results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may not be able to manage the risks associated with our anticipated growth and expansion through de novo branching.
</I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our business strategy includes evaluating strategic opportunities to grow through <I>de novo</I> branching, and we believe that
banking location expansion has been meaningful to our growth since inception. <I>De novo</I> branching carries with it certain potential risks, including significant startup costs and anticipated initial operating losses; an inability to gain
regulatory approval; an inability to secure the services of qualified senior management to operate the <I>de novo</I> banking location and successfully integrate and promote our corporate culture; poor market reception for <I>de novo</I> banking
locations established in markets where we do not have a preexisting reputation; challenges posed by local economic conditions; challenges associated with securing attractive locations at a reasonable cost; and the additional strain on management
resources and internal systems and controls. Failure to adequately manage the risks associated with our anticipated growth through <I>de novo</I> branching could have an adverse effect on our business, financial condition and results of operations.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may not be able to overcome the integration and other risks associated with acquisitions, which could have an adverse effect on our ability to
implement our business strategy. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Although we plan to continue to grow our business organically and through <I>de novo</I>
branching, we also intend to pursue acquisition opportunities that we believe complement our activities and have the ability to enhance our profitability and provide attractive risk-adjusted returns. Our acquisition activities could be material to
our business and involve a number of risks, including the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">intense competition from other banking organizations and other acquirers for potential merger candidates; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">market pricing for desirable acquisitions resulting in returns that are less attractive than we have traditionally sought to achieve; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">incurring time and expense associated with identifying and evaluating potential acquisitions and negotiating potential transactions, resulting in our attention being diverted from the operation of our existing business;
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">using inaccurate estimates and judgments to evaluate credit, operations, management and market risks with respect to the target institution or assets; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">potential exposure to unknown or contingent liabilities of banks and businesses we acquire, including consumer compliance issues; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the time and expense required to integrate the operations and personnel of the combined businesses; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">experiencing higher operating expenses relative to operating income from the new operations; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">losing key employees and customers; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reputational issues if the target&#146;s management does not align with our culture and values; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">significant problems relating to the conversion of the financial and customer data of the target; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">integration of acquired customers into our financial and customer product systems; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">risks of impairment to goodwill; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">regulatory timeframes for review of applications may limit the number and frequency of transactions we may be able to consummate. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Depending on the condition of any institution or assets or liabilities that we may acquire, that acquisition may, at least in the near term,
adversely affect our capital and earnings and, if not successfully integrated with our organization, may continue to have such effects over a longer period. We may not be successful in overcoming these risks or any other problems encountered in
connection with pending or potential acquisitions, and any acquisition we may consider will be subject to prior regulatory approval. Our inability to overcome these risks could have an adverse effect on our ability to implement our business
strategy, which, in turn, could have an adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>A key piece of our expansion
strategy is a focus on decision-making authority at the branch and market level, and our business, financial condition, results of operations and prospects could be adversely affected if our local teams do not follow our internal policies or are
negligent in their decision-making. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In order to be able to provide the responsive and individualized customer service that
distinguishes us from competitors and in order to attract and retain management talent, we empower our local management teams to make certain business decisions on the local level. Lending authorities are assigned to branch presidents and their
banking teams based on their experience, with all loan relationships in excess of internal specified maximums being reviewed by the Bank&#146;s Directors&#146; Loan Committee, comprised of senior management of the Bank, or the Bank&#146;s board of
directors, as the case may be. Our local lenders may not follow our internal procedures or otherwise act in our best interests with respect to their decision-making. A failure of our employees to follow our internal policies, or actions taken by our
employees that are negligent or not in our best interests could have an adverse effect on our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Difficult market conditions and economic trends have recently and adversely affected the banking industry and could adversely affect our business,
financial condition and results of operations in the future. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are operating in an uncertain economic environment, including
generally uncertain conditions nationally and locally in our industry and markets. Although economic conditions have improved in recent years, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
financial institutions continue to be affected by volatility in the real estate market in some parts of the country and uncertain regulatory and interest rate conditions. We retain direct
exposure to the residential and commercial real estate markets in Texas and are affected by these events. In addition, financial institutions in Texas have been affected by the recent volatility with the oil and gas industry and significant decrease
in energy prices. Although we do not have material direct exposure to the oil and gas industry, we retain some indirect exposure, as some of our customers&#146; businesses are directly affected by volatility with the oil and gas industry and energy
prices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our ability to assess the creditworthiness of customers and to estimate the losses inherent in our loan portfolio
is made more complex by uncertain market and economic conditions. Another national economic downturn or deterioration of conditions in our markets could result in losses beyond those that are provided for in our allowance for loan losses and lead to
the following consequences: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increases in loan delinquencies; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increases in <FONT STYLE="white-space:nowrap">non-performing</FONT> assets and foreclosures; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">decreases in demand for our products and services, which could adversely affect our liquidity position; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">decreases in the value of the collateral securing our loans, especially real estate, which could reduce customers&#146; borrowing power and repayment ability. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">While economic conditions in Texas and the United States continue to show signs of recovery, there can be no assurance that these conditions
will continue to improve. Although real estate markets have generally stabilized in portions of the United States, including Texas, a resumption of declines in real estate values, home sales volumes and financial stress on borrowers as a result of
the uncertain economic environment, including job losses, could have an adverse effect on our borrowers or their customers, which could adversely affect our business, financial condition and results of operations. In addition, continued volatility
in the oil and gas industry and relatively low energy prices could have an adverse effect on our borrowers or their customers, including declines in real estate values and job losses, which could adversely affect our business, financial condition
and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may not be able to adequately measure and limit our credit risk, which could lead to unexpected losses. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The business of lending is inherently risky, including risks that the principal of or interest on any loan will not be repaid timely or at all
or that the value of any collateral supporting the loan will be insufficient to cover our outstanding exposure. These risks may be affected by the strength of the borrower&#146;s business sector and local, regional and national market and economic
conditions. Many of our loans are made to small- to <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses that may be less able to withstand competitive, economic and financial pressures than larger borrowers. Our risk management
practices, such as monitoring the concentration of our loans within specific industries and our credit approval practices, may not adequately reduce credit risk, and our credit administration personnel, policies and procedures may not adequately
adapt to changes in economic or any other conditions affecting customers and the quality of the loan portfolio. A failure to effectively measure and limit the credit risk associated with our loan portfolio could lead to unexpected losses and have an
adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are dependent on the use of data and modeling in our
management&#146;s decision-making, and faulty data or modeling approaches could negatively impact our decision-making ability or possibly subject us to regulatory scrutiny in the future. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The use of statistical and quantitative models and other quantitative analyses is endemic to bank decision-making, and the employment of such
analyses is becoming increasingly widespread in our operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Liquidity stress testing, interest rate sensitivity analysis, and the identification of possible violations of anti-money laundering regulations are all examples of areas in which we are
dependent on models and the data that underlies them. The use of statistical and quantitative models is also becoming more prevalent in regulatory compliance. While we are not currently subject to annual Dodd-Frank Act stress testing (DFAST) and the
Comprehensive Capital Analysis and Review (CCAR) submissions, we anticipate that model-derived testing may become more extensively implemented by regulators in the future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We anticipate data-based modeling will penetrate further into bank decision-making, particularly risk management efforts, as the capacities
developed to meet rigorous stress testing requirements are able to be employed more widely and in differing applications. While we believe these quantitative techniques and approaches improve our decision-making, they also create the possibility
that faulty data or flawed quantitative approaches could negatively impact our decision-making ability or, if we become subject to regulatory stress-testing in the future, adverse regulatory scrutiny. Secondarily, because of the complexity inherent
in these approaches, misunderstanding or misuse of their outputs could similarly result in suboptimal decision-making. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The small- to <FONT
STYLE="white-space:nowrap">medium-sized</FONT> businesses that we lend to may have fewer resources to weather adverse business developments, which may impair our borrowers&#146; ability to repay loans. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We focus our business development and marketing strategy primarily on small- to <FONT STYLE="white-space:nowrap">medium-sized</FONT>
businesses. As of December&nbsp;31, 2016, we had approximately $572.5&nbsp;million of loans to businesses, which represents approximately 46.0% of our total loan portfolio. Small- to <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses
frequently have smaller market shares than their competition, may be more vulnerable to economic downturns, often need substantial additional capital to expand or compete and may experience substantial volatility in operating results, any of which
may impair a borrower&#146;s ability to repay a loan. In addition, the success of a small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT> business often depends on the management skills, talents and efforts of a small group of people, and
the death, disability or resignation of one or more of these people could have an adverse effect on the business and its ability to repay its loan. If our borrowers are unable to repay their loans, our business, financial condition and results of
operations could be adversely affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our commercial real estate and real estate construction loan portfolio exposes us to credit risks that may
be greater than the risks related to other types of loans. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, approximately $456.1&nbsp;million, or
36.6%, of our total loans were nonresidential real estate loans (including owner occupied commercial real estate loans) and approximately $129.4&nbsp;million, or 10.4%, of our total loans were construction and land development loans. These loans
typically involve repayment dependent upon income generated, or expected to be generated, by the property securing the loan in amounts sufficient to cover operating expenses and debt service. The availability of such income for repayment may be
adversely affected by changes in the economy or local market conditions. These loans expose a lender to greater credit risk than loans secured by other types of collateral because the collateral securing these loans is typically more difficult to
liquidate due to the fluctuation of real estate values. Additionally, <FONT STYLE="white-space:nowrap">non-owner</FONT> occupied commercial real estate loans generally involve relatively large balances to single borrowers or related groups of
borrowers. Unexpected deterioration in the credit quality of our <FONT STYLE="white-space:nowrap">non-owner</FONT> occupied commercial real estate loan portfolio could require us to increase our allowance for loan losses, which would reduce our
profitability and could have an adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Construction and land
development loans also involve risks because loan funds are secured by a project under construction and the project is of uncertain value prior to its completion. It can be difficult to accurately evaluate the total funds required to complete a
project, and construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower or guarantor to repay the loan. If we are forced
to foreclose on a project prior to completion, we may be unable to recover the entire unpaid portion of the loan. In addition, we may be required to fund additional amounts to complete a project, incur taxes, maintenance and compliance costs for a
foreclosed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
property and may have to hold the property for an indeterminate period of time, any of which could adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Because a significant portion of our loan portfolio is comprised of real estate loans, negative changes in the economy affecting real estate values and
liquidity could impair the value of collateral securing our real estate loans and result in loan and other losses. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of
December&nbsp;31, 2016, approximately $948.4&nbsp;million, or 76.2%, of our total loans were loans with real estate as a primary or secondary component of collateral. Real estate values in many Texas markets have experienced periods of fluctuation
over the last five years. The market value of real estate can fluctuate significantly in a short period of time. As a result, adverse developments affecting real estate values and the liquidity of real estate in our primary markets or in Texas
generally could increase the credit risk associated with our loan portfolio, and could result in losses that adversely affect credit quality, financial condition and results of operations. Negative changes in the economy affecting real estate values
and liquidity in our market areas could significantly impair the value of property pledged as collateral on loans and affect our ability to sell the collateral upon foreclosure without a loss or additional losses. Collateral may have to be sold for
less than the outstanding balance of the loan, which could result in losses on such loans. Such declines and losses would have an adverse effect on our business, financial condition and results of operations. If real estate values decline, it is
also more likely that we would be required to increase our allowance for loan losses, which would adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Appraisals and other valuation techniques we use in evaluating and monitoring loans secured by real property, other real estate owned and repossessed
personal property may not accurately describe the net value of the asset. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In considering whether to make a loan secured by real
property, we generally require an appraisal of the property. However, an appraisal is only an estimate of the value of the property at the time the appraisal is made, and, as real estate values may change significantly in value in relatively short
periods of time (especially in periods of heightened economic uncertainty), this estimate may not accurately describe the net value of the real property collateral after the loan is made. As a result, we may not be able to realize the full amount of
any remaining indebtedness when we foreclose on and sell the relevant property. In addition, we rely on appraisals and other valuation techniques to establish the value of our other real estate owned, or OREO, and personal property that we acquire
through foreclosure proceedings and to determine certain loan impairments. If any of these valuations are inaccurate, our combined and consolidated financial statements may not reflect the correct value of our OREO, and our allowance for loan losses
may not reflect accurate loan impairments. This could have an adverse effect on our business, financial condition or results of operations. As of December&nbsp;31, 2016, we held OREO and repossessed property and equipment that was valued at
$1.7&nbsp;million and $3.5&nbsp;million, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We engage in lending secured by real estate and may be forced to foreclose on the collateral
and own the underlying real estate, subjecting us to the costs and potential risks associated with the ownership of the real property, or consumer protection initiatives or changes in state or federal law may substantially raise the cost of
foreclosure or prevent us from foreclosing at all. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Since we originate loans secured by real estate, we may have to foreclose on
the collateral property to protect our investment and may thereafter own and operate such property, in which case we would be exposed to the risks inherent in the ownership of real estate. As of December&nbsp;31, 2016, we held approximately
$1.7&nbsp;million in OREO in a special purpose subsidiary that is currently marketed for sale. The amount that we, as a mortgagee, may realize after a default is dependent upon factors outside of our control, including, but not limited to general or
local economic condition, environmental cleanup liability, assessments, interest rates, real estate tax rates, operating expenses of the mortgaged properties, ability to obtain and maintain adequate occupancy of the properties, zoning laws,
governmental and regulatory rules, and natural disasters. Our inability to manage the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
amount of costs or size of the risks associated with the ownership of real estate, or writedowns in the value of other real estate owned, could have an adverse effect on our business, financial
condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Additionally, consumer protection initiatives or changes in state or federal law may substantially
increase the time and expense associated with the foreclosure process or prevent us from foreclosing at all. While historically Texas has had foreclosure laws that are favorable to lenders, a number of states in recent years have either considered
or adopted foreclosure reform laws that make it substantially more difficult and expensive for lenders to foreclose on properties in default, and we cannot be certain that Texas will not adopt similar legislation in the future. Additionally, federal
regulators have prosecuted a number of mortgage servicing companies for alleged consumer law violations. If new state or federal laws or regulations are ultimately enacted that significantly raise the cost of foreclosure or raise outright barriers,
such could have an adverse effect on our business, financial condition and results of operation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>A portion of our loan portfolio is comprised of
commercial loans secured by receivables, inventory, equipment or other commercial collateral, the deterioration in value of which could expose us to credit losses. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, approximately $224.0&nbsp;million, or 18.0%, of our total loans were commercial loans to businesses. In general,
these loans are collateralized by general business assets, including, among other things, accounts receivable, inventory and equipment, and most are backed by a personal guaranty of the borrower or principal. These commercial loans are typically
larger in amount than loans to individuals and, therefore, have the potential for larger losses on a single loan basis. Additionally, the repayment of commercial loans is subject to the ongoing business operations of the borrower. The collateral
securing such loans generally includes moveable property such as equipment and inventory, which may decline in value more rapidly than we anticipate exposing us to increased credit risk. In addition, a portion of our customer base, including
customers in the energy and real estate business, may be in industries which are particularly sensitive to commodity prices or market fluctuations, such as energy prices. Accordingly, negative changes in commodity prices and real estate values and
liquidity could impair the value of the collateral securing these loans. Significant adverse changes in the economy or local market conditions in which our commercial lending customers operate could cause rapid declines in loan collectability and
the values associated with general business assets resulting in inadequate collateral coverage that may expose us to credit losses and could adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We maintain an allowance for loan losses that represents management&#146;s judgment of probable losses and risks inherent in our loan
portfolio. As of December&nbsp;31, 2016, our allowance for loan losses totaled $11.5&nbsp;million, which represents approximately 0.92% of our total loans. The level of the allowance reflects management&#146;s continuing evaluation of general
economic conditions, diversification and seasoning of the loan portfolio, historic loss experience, identified credit problems, delinquency levels and adequacy of collateral. The determination of the appropriate level of the allowance for loan
losses is inherently highly subjective and requires us to make significant estimates of and assumptions regarding current credit risks and future trends, all of which may undergo material changes. Inaccurate management assumptions, deterioration of
economic conditions affecting borrowers, new information regarding existing loans, identification or deterioration of additional problem loans, acquisition of problem loans and other factors, both within and outside of our control, may require us to
increase our allowance for loan losses. In addition, our regulators, as an integral part of their periodic examination, review our methodology for calculating, and the adequacy of, our allowance for loan losses and may direct us to make additions to
the allowance based on their judgments about information available to them at the time of their examination. Further, if actual charge-offs in future periods exceed the amounts allocated to the allowance for loan losses, we may need additional
provisions for loan losses to restore the adequacy of our allowance for loan losses. Finally, the measure of our allowance for loan losses is dependent on the adoption and interpretation of accounting standards. The Financial Accounting Standards
Board recently </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
issued a new credit impairment model, the Current Expected Credit Loss, or CECL model, which will become applicable to us on January&nbsp;1, 2020, though we may choose to adopt CECL on
January&nbsp;1, 2019, or may be encouraged by our regulators to do so. CECL will require financial institutions to estimate and develop a provision for credit losses at origination for the lifetime of the loan, as opposed to reserving for incurred
or probable losses up to the balance sheet date. Under the CECL model, credit deterioration would be reflected in the income statement in the period of origination or acquisition of the loan, with changes in expected credit losses due to further
credit deterioration or improvement reflected in the periods in which the expectation changes. Accordingly, the CECL model could require financial institutions like the Bank to increase their allowances for loan losses. Moreover, the CECL model
likely would create more volatility in our level of allowance for loan losses. If we are required to materially increase our level of allowance for loan losses for any reason, such increase could adversely affect our business, financial condition
and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>If we fail to maintain effective internal control over financial reporting, we may not be able to report our financial
results accurately and timely, in which case our business may be harmed, investors may lose confidence in the accuracy and completeness of our financial reports, we could be subject to regulatory penalties and the price of our common stock may
decline. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our management is responsible for establishing and maintaining adequate internal control over financial reporting and
for evaluating and reporting on that system of internal control. Our internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted accounting principles. As a public company, we will be required to comply with the Sarbanes-Oxley Act and other rules that govern public companies. In particular, we will be
required to certify our compliance with Section&nbsp;404 of the Sarbanes-Oxley Act beginning with our second annual report on Form <FONT STYLE="white-space:nowrap">10-K,</FONT> which will require us to furnish annually a report by management on the
effectiveness of our internal control over financial reporting. In addition, unless we remain an emerging growth company and elect additional transitional relief available to emerging growth companies, our independent registered public accounting
firm may be required to report on the effectiveness of our internal control over financial reporting beginning as of that second annual report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We will continue to periodically test and update, as necessary, our internal control systems, including our financial reporting controls. In
addition, we have hired additional accounting personnel in anticipation of our transition from a private company to a public company. Our actions, however, may not be sufficient to result in an effective internal control environment, and any future
failure to maintain effective internal control over financial reporting could impair the reliability of our financial statements which in turn could harm our business, impair investor confidence in the accuracy and completeness of our financial
reports and our access to the capital markets and cause the price of our common stock to decline and subject us to regulatory penalties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We rely
heavily on our executive management team and other key employees, and we could be adversely affected by the unexpected loss of their services. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our success depends in large part on the performance of our executive management team and other key personnel, as well as on our ability to
attract, motivate and retain highly qualified senior and middle management and other skilled employees. Competition for qualified employees is intense, and the process of locating key personnel with the combination of skills, attributes and business
relationships required to execute our business plan may be lengthy. We may not be successful in retaining our key employees, and the unexpected loss of services of one or more of our key personnel could have an adverse effect on our business because
of their skills, knowledge of and business relationships within our primary markets, years of industry experience and the difficulty of promptly finding qualified replacement personnel. If the services of any of our key personnel should become
unavailable for any reason, we may not be able to identify and hire qualified persons on terms acceptable to us, or at all, which could have an adverse effect on our business, financial condition, results of operations and future prospects. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We earn income by originating residential mortgage loans for resale in the secondary mortgage market, and
disruptions in that market could reduce our operating income. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Historically, we have earned income by originating mortgage loans
for sale in the secondary market. A historical focus of our loan origination and sales activities has been to enter into formal commitments and informal agreements with larger banking companies and mortgage investors. Under these arrangements, we
originate single family mortgages that are priced and underwritten to conform to previously agreed criteria before loan funding and are delivered to the investor shortly after funding. For the year ended December&nbsp;31, 2015 and the year ended
December&nbsp;31, 2016, we earned approximately $1.1&nbsp;million and $1.7&nbsp;million, respectively, from these activities. However, in the recent past, disruptions in the secondary market for residential mortgage loans have limited the market
for, and liquidity of, most mortgage loans other than conforming Fannie Mae and Federal Home Loan Mortgage Corporation, or Freddie Mac, loans. The effects of these disruptions in the secondary market for residential mortgage loans may reappear. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, because government-sponsored entities like Fannie Mae and Freddie Mac, who account for a substantial portion of the secondary
market, are governed by federal law, any future changes in laws that significantly affect the activity of these entities could, in turn, adversely affect our operations. In September 2008, Fannie Mae and Freddie Mac were placed into conservatorship
by the federal government. The federal government has for many years considered proposals to reform Fannie Mae and Freddie Mac, but the results of any such reform and their impact on us are difficult to predict. To date, no reform proposal has been
enacted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">These disruptions may not only affect us but also the ability and desire of mortgage investors and other banks to purchase
residential mortgage loans that we originate. As a result, we may not be able to maintain or grow the income we receive from originating and reselling residential mortgage loans, which would reduce our operating income. Additionally, we may be
required to hold mortgage loans that we originated for sale, increasing our exposure to interest rate risk and the value of the residential real estate that serves as collateral for the mortgage loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Delinquencies, defaults and foreclosures in residential mortgages create a higher risk of repurchases and indemnity requests. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We originate residential mortgage loans for sale to government-sponsored enterprises, such as Fannie Mae, Freddie Mac and other investors. As
a part of this process, we make various representations and warranties to these purchasers that are tied to the underwriting standards under which the investors agreed to purchase the loan. If a representation or warranty proves to be untrue, we
could be required to repurchase one or more of the mortgage loans or indemnify the investor. Repurchase and indemnity obligations tend to increase during weak economic times, as investors seek to pass on the risks associated with mortgage loan
delinquencies to the originator of the mortgage. In 2013 and 2014, we repurchased three residential mortgage loans sold to government-sponsored enterprises with an aggregate principal amount of $405,000, all of which were fully paid with no
remaining principal balance as of December&nbsp;31, 2016. If we are forced to repurchase additional mortgage loans that we have previously sold to investors, or indemnify those investors, our business, financial condition and results of operations
could be adversely affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>A lack of liquidity could impair our ability to fund operations and adversely impact our business, financial condition
and results of operations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Liquidity is essential to our business. We rely on our ability to generate deposits and effectively
manage the repayment and maturity schedules of our loans and investment securities, respectively, to ensure that we have adequate liquidity to fund our operations. An inability to raise funds through deposits, borrowings, the sale of our investment
securities, the sale of loans, and other sources could have a substantial negative effect on our liquidity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our most important source of funds is deposits. As of December&nbsp;31, 2016, approximately
$1.2&nbsp;billion, or 78.3%, of our total deposits were demand, savings and money market accounts. Historically our savings, money market deposit accounts and demand accounts have been stable sources of funds However, these deposits are subject to
potentially dramatic fluctuations in availability or price due to certain factors that may be outside of our control, such as a loss of confidence by customers in us or the banking sector generally, customer perceptions of our financial health and
general reputation, increasing competitive pressures from other financial services firms for consumer or corporate customer deposits, changes in interest rates and returns on other investment classes, which could result in significant outflows of
deposits within short periods of time or significant changes in pricing necessary to maintain current customer deposits or attract additional deposits, increasing our funding costs and reducing our net interest income and net income. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The $341.6&nbsp;million remaining balance of deposits consisted of certificates of deposit, of which $252.0&nbsp;million, or 16.0% of our
total deposits, were due to mature within one year. Historically, a majority of our certificates of deposit are renewed upon maturity as long as we pay competitive interest rates. These customers are, however, interest-rate conscious and may be
willing to move funds into higher-yielding investment alternatives. If customers transfer money out of the Bank&#146;s deposits and into other investments such as money market funds, we would lose a relatively
<FONT STYLE="white-space:nowrap">low-cost</FONT> source of funds, increasing our funding costs and reducing our net interest income and net income. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Other primary sources of funds consist of cash flows from operations, maturities and sales of investment securities, and proceeds from the
issuance and sale of our equity and debt securities to investors. Additional liquidity is provided by our ability to borrow from the Federal Reserve Bank of Dallas and the Federal Home Loan Bank of Dallas, or the FHLB. We also may borrow funds from
third-party lenders, such as other financial institutions. Our access to funding sources in amounts adequate to finance or capitalize our activities, or on terms that are acceptable to us, could be impaired by factors that affect us directly or the
financial services industry or economy in general, such as disruptions in the financial markets or negative views and expectations about the prospects for the financial services industry. Our access to funding sources could also be affected by a
decrease in the level of our business activity as a result of a downturn in Texas or by one or more adverse regulatory actions against us. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Any decline in available funding could adversely impact our ability to originate loans, invest in securities, meet our expenses, or fulfill
obligations such as repaying our borrowings or meeting deposit withdrawal demands, any of which could, in turn, have an adverse effect on our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may need to raise additional capital in the future, and such capital may not be available when needed or at all. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We may need to raise additional capital, in the form of additional debt or equity, in the future to have sufficient capital resources and
liquidity to meet our commitments and fund our business needs and future growth, particularly if the quality of our assets or earnings were to deteriorate significantly. Our ability to raise additional capital, if needed, will depend on, among other
things, conditions in the capital markets at that time, which are outside of our control, and our financial condition. Economic conditions and a loss of confidence in financial institutions may increase our cost of funding and limit access to
certain customary sources of capital, including interbank borrowings, repurchase agreements and borrowings from the discount window of the Federal Reserve System. We may not be able to obtain capital on acceptable terms &#151; or at all. Any
occurrence that may limit our access to the capital markets, such as a decline in the confidence of debt purchasers, depositors of our bank or counterparties participating in the capital markets or other disruption in capital markets, may adversely
affect our capital costs and our ability to raise capital and, in turn, our liquidity. Further, if we need to raise capital in the future, we may have to do so when many other financial institutions are also seeking to raise capital and would then
have to compete with those institutions for investors. An inability to raise additional capital on acceptable terms when needed could have a material adverse effect on our business, financial condition or results of operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We have a concentration of deposit accounts with state and local municipalities that is a material source
of our funding, and the loss of these deposits or significant fluctuations in balances held by these public bodies could force us to fund our business through more expensive and less stable sources. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, $316.4&nbsp;million, or approximately 20.1%, of our total deposits consisted of deposit accounts of public
bodies, such as state or local municipalities, or public funds. These types of deposits are often secured and typically fluctuate on a seasonal basis due to timing differences between tax collection and expenditures. Withdrawals of deposits or
significant fluctuation in a material portion of our largest public fund depositors could force us to rely more heavily on borrowings and other sources of funding for our business and withdrawal demands, adversely affecting our net interest margin
and results of operations. We may also be forced, as a result of any withdrawal of deposits, to rely more heavily on other, potentially more expensive and less stable funding sources. Consequently, the occurrence of any of these events could have an
adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are subject to interest rate risk and fluctuations in interest
rates may adversely affect our earnings. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The majority of our banking assets and liabilities are monetary in nature and subject to
risk from changes in interest rates. Like most financial institutions, our earnings are significantly dependent on our net interest income, the principal component of our earnings, which is the difference between interest earned by us from our
interest-earning assets, such as loans and investment securities, and interest paid by us on our interest-bearing liabilities, such as deposits and borrowings. We expect that we will periodically experience &#147;gaps&#148; in the interest rate
sensitivities of our assets and liabilities, meaning that either our interest-bearing liabilities will be more sensitive to changes in market interest rates than our interest-earning assets, or vice versa. In either event, if market interest rates
should move contrary to our position, this &#147;gap&#148; will negatively impact our earnings. The impact on earnings is more adverse when the slope of the yield curve flattens, that is, when short-term interest rates increase more than long-term
interest rates or when long-term interest rates decrease more than short-term interest rates. Many factors impact interest rates, including governmental monetary policies, inflation, recession, changes in unemployment, the money supply and
international economic weakness and disorder and instability in domestic and foreign financial markets. As of December&nbsp;31, 2016, approximately 51.1% of our interest-earning assets and approximately 68.5% of our interest-bearing liabilities had
a variable rate. Our interest rate sensitivity profile was asset sensitive as of December&nbsp;31, 2016, meaning that we estimate our net interest income would increase more from rising interest rates than from falling interest rates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Interest rate increases often result in larger payment requirements for our borrowers, which increases the potential for default and could
result in a decrease in the demand for loans. At the same time, the marketability of the property securing a loan may be adversely affected by any reduced demand resulting from higher interest rates. In a declining interest rate environment, there
may be an increase in prepayments on loans as borrowers refinance their loans at lower rates. In addition, in a low interest rate environment, loan customers often pursue long-term fixed rate credits, which could adversely affect our earnings and
net interest margin if rates increase. Changes in interest rates also can affect the value of loans, securities and other assets. An increase in interest rates that adversely affects the ability of borrowers to pay the principal or interest on loans
may lead to an increase in nonperforming assets and a reduction of income recognized, which could have an adverse effect on our results of operations and cash flows. Further, when we place a loan on nonaccrual status, we reverse any accrued but
unpaid interest receivable, which decreases interest income. At the same time, we continue to have a cost to fund the loan, which is reflected as interest expense, without any interest income to offset the associated funding expense. Thus, an
increase in the amount of nonperforming assets would have an adverse impact on net interest income. If short-term interest rates continue to remain at their historically low levels for a prolonged period and assuming longer-term interest rates fall
further, we could experience net interest margin compression as our interest-earning assets would continue to reprice downward while our interest-bearing liability rates could fail to decline in tandem. Such an occurrence would have an adverse
effect on our net interest income and could have an adverse effect on our business, financial condition and results of operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our business is concentrated in, and largely dependent upon, the continued growth and welfare of our
primary markets, and adverse economic conditions in these markets could negatively impact our operations and customers. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our
business, financial condition and results of operations are affected by changes in the economic conditions of our primary markets of East Texas, Bryan/College Station, Texas and the Dallas/Fort Worth metroplex. Our success depends to a significant
extent upon the business activity, population, income levels, employment trends, deposits and real estate activity in our primary markets. Economic conditions within our primary markets, and the state of Texas in general, are influenced by the
energy sector generally and the price of oil and gas specifically. Although our customers&#146; business and financial interests may extend well beyond our primary markets, adverse conditions that affect our primary markets, including future
declines in oil prices, could reduce our growth rate, affect the ability of our customers to repay their loans, affect the value of collateral underlying our loans, affect our ability to attract deposits and generally affect our business, financial
condition, results of operations and future prospects. Due to our geographic concentration within our primary markets, we may be less able than other larger regional or national financial institutions to diversify our credit risks across multiple
markets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We face strong competition from financial services companies and other companies that offer banking services. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We operate in the highly competitive financial services industry and face significant competition for customers from financial institutions
located both within and beyond our principal markets. We compete with commercial banks, savings banks, credit unions, nonbank financial services companies and other financial institutions operating within or near the areas we serve. Additionally,
certain large banks headquartered outside of our markets and large community banking institutions target the same customers we do. In addition, as customer preferences and expectations continue to evolve, technology has lowered barriers to entry and
made it possible for banks to expand their geographic reach by providing services over the internet and for nonbanks to offer products and services traditionally provided by banks, such as automatic transfer and automatic payment systems. The
banking industry is experiencing rapid changes in technology, and, as a result, our future success will depend in part on our ability to address our customers&#146; needs by using technology. Customer loyalty can be influenced by a competitor&#146;s
new products, especially offerings that could provide cost savings or a higher return to the customer. Increased lending activity of competing banks following the recent downturn has also led to increased competitive pressures on loan rates and
terms for high-quality credits. We may not be able to compete successfully with other financial institutions in our markets, and we may have to pay higher interest rates to attract deposits, accept lower yields to attract loans and pay higher wages
for new employees, resulting in lower net interest margins and reduced profitability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Many of our
<FONT STYLE="white-space:nowrap">non-bank</FONT> competitors are not subject to the same extensive regulations that govern our activities and may have greater flexibility in competing for business. The financial services industry could become even
more competitive as a result of legislative, regulatory and technological changes and continued consolidation. In addition, some of our current commercial banking customers may seek alternative banking sources as they develop needs for credit
facilities larger than we may be able to accommodate. Our inability to compete successfully in the markets in which we operate could have an adverse effect on our business, financial condition or results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our trust and wealth management division derives its revenue from noninterest income and is subject to operational, compliance, reputational, fiduciary
and strategic risks that could adversely affect our business, financial condition and results of operations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our trust and wealth
management division subjects us to a number of different risks from our commercial activities, any of which could adversely affect our business, financial condition and results of operations. Operational or compliance risk entails inadequate or
failed internal processes, people and systems or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
changes driven by external events. Success in the trust and wealth management business is highly dependent on reputation. Damage to our reputation from negative opinion in the marketplace could
adversely impact both revenue and net income. Such results could also be affected by errors in judgment by management or the board, the improper implementation of business decisions or by unexpected external events. Our success in this division is
also dependent upon our continuing ability to generate investment results that satisfy our clients and attract prospective clients, which may be adversely impacted by factors that are outside of our control. In addition, our trust and wealth
management division is subject to fiduciary risks and risks associated with adverse decisions regarding the scope of fiduciary liabilities. If any claims or legal actions regarding our fiduciary role are not resolved in a manner favorable to us, we
may be exposed to significant financial liability and our reputation could be damaged. Either of these results may adversely impact demand for our products and services, including those unrelated to our trust and wealth management division, or
otherwise have an adverse effect on our business, financial condition or results of operation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Additional risks resulting from our mortgage
warehouse lending business could have an adverse effect on our business, financial condition and results of operations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A portion
of our lending involves the origination of mortgage warehouse lines of credit. Risks associated with our mortgage warehouse loans include credit risks relating to the mortgage bankers that borrow from us, including the risk of intentional
misrepresentation or fraud; changes in the market value of mortgage loans originated by the mortgage banker, the sale of which is the expected source of repayment of the borrowings under a warehouse line of credit, due to changes in interest rates
during the time in warehouse; and originations of mortgage loans that are unsalable or impaired, which could lead to decreased collateral value and the failure of a purchaser of the mortgage loan to ultimately purchase the loan from the mortgage
banker. Any one or a combination of these events may adversely affect our loan portfolio and may result in increased delinquencies, loan losses and increased future provision levels, which, in turn, could adversely affect our business, financial
condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>New lines of business, products, product enhancements or services may subject us to additional risks.
</I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From time to time, we implement new lines of business, or offer new products and product enhancements as well as new services
within our existing lines of business and we will continue to do so in the future. For example, in 2015, we established our warehouse mortgage lending division and plan to launch our new eWarehouse platform for this division in the second quarter of
2017, which we expect will be one of a only a few such platforms offered by banks nationally. We also have plans to enhance our trust and wealth management division. There are substantial risks and uncertainties associated with these efforts,
particularly in instances where the markets are not fully developed. In implementing, developing or marketing new lines of business, products, product enhancements or services, we may invest significant time and resources, although we may not assign
the appropriate level of resources or expertise necessary to make these new lines of business, products, product enhancements or services successful or to realize their expected benefits. Further, initial timetables for the introduction and
development of new lines of business, products, product enhancements or services may not be achieved, and price and profitability targets may not prove feasible. External factors, such as compliance with regulations, competitive alternatives and
shifting market preferences, may also impact the ultimate implementation of a new line of business or offerings of new products, product enhancements or services. Furthermore, any new line of business, product, product enhancement or service could
have a significant impact on the effectiveness of our system of internal controls. Failure to successfully manage these risks in the development and implementation of new lines of business or offerings of new products, product enhancements or
services could have an adverse impact on our business, financial condition or results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Negative public opinion regarding our company
or failure to maintain our reputation in the communities we serve could adversely affect our business and prevent us from growing our business. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a community bank, our reputation within the communities we serve is critical to our success. We believe we have set ourselves apart from
our competitors by building strong personal and professional </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
relationships with our customers and being active members of the communities we serve. As such, we strive to enhance our reputation by recruiting, hiring and retaining employees who share our
core values of being an integral part of the communities we serve and delivering superior service to our customers. If our reputation is negatively affected by the actions of our employees or otherwise, we may be less successful in attracting new
talent and customers or may lose existing customers, and our business, financial condition and results of operations could be adversely affected. Further, negative public opinion can expose us to litigation and regulatory action and delay and impede
our efforts to implement our expansion strategy, which could further adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We could recognize losses on investment securities held in our securities portfolio, particularly if interest rates increase or economic and market
conditions deteriorate. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">While we attempt to invest a significant majority of our total assets in loans (our loan to asset ratio
was 67.5% as of December&nbsp;31, 2016), we invest a percentage of our total assets (18.9% as of December&nbsp;31, 2016) in investment securities with the primary objectives of providing a source of liquidity, providing an appropriate return on
funds invested, managing interest rate risk, meeting pledging requirements and meeting regulatory capital requirements. As of December&nbsp;31, 2016, the fair value of our available for sale investment securities portfolio was $156.9&nbsp;million,
which included a net unrealized loss of $3.3&nbsp;million. Factors beyond our control can significantly and adversely influence the fair value of securities in our portfolio. For example, fixed-rate securities are generally subject to decreases in
market value when interest rates rise. Additional factors include, but are not limited to, rating agency downgrades of the securities, defaults by the issuer or individual borrowers with respect to the underlying securities, and instability in the
credit markets. Any of the foregoing factors could cause other-than-temporary impairment in future periods and result in realized losses. The process for determining whether impairment is other-than-temporary usually requires difficult, subjective
judgments about the future financial performance of the issuer and any collateral underlying the security in order to assess the probability of receiving all contractual principal and interest payments on the security. As of December&nbsp;31, 2016,
there was other-than-temporary impairment in the amount of $324,495 that we recognized in 2013 related to one <FONT STYLE="white-space:nowrap">non-agency</FONT> security in our investment portfolio with a $2.9&nbsp;million carrying value. Because of
changing economic and market conditions affecting interest rates, the financial condition of issuers of the securities and the performance of the underlying collateral, we may recognize realized and/or unrealized losses in future periods, which
could have an adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The accuracy of our financial statements and related
disclosures could be affected if the judgments, assumptions or estimates used in our critical accounting policies are inaccurate. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The preparation of financial statements and related disclosures in conformity with GAAP requires us to make judgments, assumptions and
estimates that affect the amounts reported in our consolidated financial statements and accompanying notes. Our critical accounting policies, which are included in the section captioned &#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&#148; in this prospectus, describe those significant accounting policies and methods used in the preparation of our consolidated financial statements that we consider &#147;critical&#148; because they require
judgments, assumptions and estimates that materially affect our consolidated financial statements and related disclosures. As a result, if future events or regulatory views concerning such analysis differ significantly from the judgments,
assumptions and estimates in our critical accounting policies, those events or assumptions could have a material impact on our consolidated financial statements and related disclosures, in each case resulting in our needing to revise or restate
prior period financial statements, cause damage to our reputation and the price of our common stock, and adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>There could be material changes to our financial statements and disclosures if there are changes in accounting standards or regulatory interpretations
of existing standards </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From time to time the Financial Accounting Standards Board or the SEC may change the financial accounting
and reporting standards that govern the preparation of our financial statements. Such changes may </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
result in us being subject to new or changing accounting and reporting standards. In addition, the bodies that interpret the accounting standards (such as banking regulators or outside auditors)
may change their interpretations or positions on how new or existing standards should be applied. These changes may be beyond our control, can be hard to predict and can materially impact how we record and report our financial condition and results
of operations. In some cases, we could be required to apply a new or revised standard retrospectively, or apply an existing standard differently and retrospectively, in each case resulting in our needing to revise or restate prior period financial
statements, which could materially change our financial statements and related disclosures, cause damage to our reputation and the price of our common stock, and adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our operations could be interrupted if our third-party service providers experience difficulty, terminate their services or fail to comply with banking
regulations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We outsource some of our operational activities and accordingly depend on a number of relationships with third-party
service providers. Specifically, we rely on third parties for certain services, including, but not limited to, core systems support, informational website hosting, internet services, online account opening and other processing services. Our business
depends on the successful and uninterrupted functioning of our information technology and telecommunications systems and third-party servicers. The failure of these systems, a cyber security breach involving any of our third-party service providers,
or the termination or change in terms of a third-party software license or service agreement on which any of these systems is based, could interrupt our operations. Because our information technology and telecommunications systems interface with and
depend on third-party systems, we could experience service denials if demand for such services exceeds capacity or such third-party systems fail or experience interruptions. Replacing vendors or addressing other issues with our third-party service
providers could entail significant delay, expense and disruption of service. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a result, if these third-party service providers
experience difficulties, are subject to cyber security breaches, or terminate their services, and we are unable to replace them with other service providers, particularly on a timely basis, our operations could be interrupted. If an interruption
were to continue for a significant period of time, our business, financial condition and results of operations could be adversely affected. Even if we are able to replace third-party service providers, it may be at a higher cost to us, which could
adversely affect our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, the Bank&#146;s primary federal regulator, the
Office of the Comptroller of the Currency, or OCC, has recently issued guidance outlining the expectations for third-party service provider oversight and monitoring by financial institutions. The federal banking agencies, including the OCC, have
recently issued enforcement actions against financial institutions for failure in oversight of third-party providers and violations of federal banking law by such providers when performing services for financial institutions. Accordingly, our
operations could be interrupted if any of our third-party service providers experience difficulty, are subject to cyber security breaches, terminate their services or fail to comply with banking regulations, which could adversely affect our
business, financial condition and results of operations. In addition, our failure to adequately oversee the actions of our third-party service providers could result in regulatory actions against the Bank, which could adversely affect our business,
financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>System failure or cyber security breaches of our network security could subject us to increased
operating costs as well as litigation and other potential losses. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our computer systems and network infrastructure could be
vulnerable to hardware and cyber security issues. Our operations are dependent upon our ability to protect our computer equipment against damage from fire, power loss, telecommunications failure or a similar catastrophic event. We could also
experience a breach by intentional or negligent conduct on the part of employees or other internal sources. Any damage or failure that causes an interruption in our operations could have an adverse effect on our financial condition and results of
operations. In addition, our operations are dependent upon our ability to protect our computer systems and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
network infrastructure, including our digital, mobile and internet banking activities, against damage from physical <FONT STYLE="white-space:nowrap">break-ins,</FONT> cyber security breaches and
other disruptive problems caused by the internet or other users. Such computer <FONT STYLE="white-space:nowrap">break-ins</FONT> and other disruptions would jeopardize the security of information stored in and transmitted through our computer
systems and network infrastructure, which may result in significant liability, damage our reputation and inhibit the use of our internet banking services by current and potential customers. We regularly add additional security measures to our
computer systems and network infrastructure to mitigate the possibility of cyber security breaches, including firewalls and penetration testing. However, it is difficult or impossible to defend against every risk being posed by changing technologies
as well as acts of cyber-crime. Increasing sophistication of cyber criminals and terrorists make keeping up with new threats difficult and could result in a system breach. Controls employed by our information technology department and cloud vendors
could prove inadequate. A breach of our security that results in unauthorized access to our data could expose us to a disruption or challenges relating to our daily operations, as well as to data loss, litigation, damages, fines and penalties,
significant increases in compliance costs and reputational damage, any of which could have an adverse effect on our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We have a continuing need for technological change, and we may not have the resources to effectively implement new technology, or we may experience
operational challenges when implementing new technology or technology needed to compete effectively with larger institutions may not be available to us on a cost effective basis. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and
services. In addition to better serving customers, the effective use of technology increases efficiency and enables financial institutions to reduce costs. Our future success will depend, at least in part, upon our ability to address the needs of
our customers by using technology to provide products and services that will satisfy customer demands for convenience as well as to create additional efficiencies in our operations as we continue to grow and expand our products and service
offerings. We may experience operational challenges as we implement these new technology enhancements or products, which could impair our ability to realize the anticipated benefits from such new technology or require us to incur significant costs
to remedy any such challenges in a timely manner. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Many of our larger competitors have substantially greater resources to invest in
technological improvements. Third parties upon which we rely for our technology needs may not be able to develop on a cost effective basis systems that will enable us to keep pace with such developments. As a result, they may be able to offer
additional or superior products compared to those that we will be able to provide, which would put us at a competitive disadvantage. We may lose customers seeking new technology-driven products and services to the extent we are unable to provide
such products and services. Accordingly, the ability to keep pace with technological change is important and the failure to do so could adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are subject to certain operational risks, including, but not limited to, customer, employee or third-party fraud and data processing system failures
and errors. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Employee errors and employee or customer misconduct could subject us to financial losses or regulatory sanctions and
seriously harm our reputation. Misconduct by our employees could include hiding unauthorized activities from us, improper or unauthorized activities on behalf of our customers or improper use of confidential information. It is not always possible to
prevent employee errors and misconduct, and the precautions we take to prevent and detect this activity may not be effective in all cases. Employee errors could also subject us to financial claims for negligence. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We maintain a system of internal controls to mitigate operational risks, including data processing system failures and errors and customer or
employee fraud, as well as insurance coverage designed to protect us from material losses associated with these risks, including losses resulting from any associated business </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
interruption. If our internal controls fail to prevent or detect an occurrence, or if any resulting loss is not insured or exceeds applicable insurance limits, it could adversely affect our
business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, we rely heavily upon information supplied by third parties,
including the information contained in credit applications, property appraisals, title information, equipment pricing and valuation and employment and income documentation, in deciding which loans we will originate, as well as the terms of those
loans. If any of the information upon which we rely is misrepresented, either fraudulently or inadvertently, and the misrepresentation is not detected prior to loan funding, the value of the loan may be significantly lower than expected, or we may
fund a loan that we would not have funded or on terms we would not have extended. Whether a misrepresentation is made by the applicant or another third party, we generally bear the risk of loss associated with the misrepresentation. A loan subject
to a material misrepresentation is typically unsellable or subject to repurchase if it is sold prior to detection of the misrepresentation. The sources of the misrepresentations are often difficult to locate, and it is often difficult to recover any
of the resulting monetary losses we may suffer, which could adversely affect our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our
primary markets are susceptible to natural disasters and other catastrophes that could negatively impact the economies of our markets, our operations or our customers, any of which could have an adverse effect on us. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A significant portion of our business is generated from our primary markets of East Texas, Bryan/College Station, Texas and the Dallas/Fort
Worth metroplex, which are susceptible to damage by tornadoes, floods, droughts and other natural disasters and adverse weather. In addition to natural disasters, <FONT STYLE="white-space:nowrap">man-made</FONT> events, such as acts of terror and
governmental response to acts of terror, malfunction of the electronic grid and other infrastructure breakdowns, could adversely affect economic conditions in our primary markets. These catastrophic events can disrupt our operations, cause
widespread property damage, and severely depress the local economies in which we operate. If the economies in our primary markets experience an overall decline as a result of a catastrophic event, demand for loans and our other products and services
could be reduced. In addition, the rates of delinquencies, foreclosures, bankruptcies and losses on loan portfolios may increase substantially, as uninsured property losses or sustained job interruption or loss may materially impair the ability of
borrowers to repay their loans. Moreover, the value of real estate or other collateral that secures the loans could be materially and adversely affected by a catastrophic event. A natural disaster or other catastrophic event could, therefore, result
in decreased revenue and loan losses that have an adverse effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may be subject
to environmental liabilities in connection with the real properties we own and the foreclosure on real estate assets securing our loan portfolio. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In the course of our business, we may purchase real estate in connection with our acquisition and expansion efforts, or we may foreclose on
and take title to real estate or otherwise be deemed to be in control of property that serves as collateral on loans we make. As a result, we could be subject to environmental liabilities with respect to those properties. We may be held liable to a
governmental entity or to third parties for property damage, personal injury, investigation and <FONT STYLE="white-space:nowrap">clean-up</FONT> costs incurred by these parties in connection with environmental contamination, or we may be required to
investigate or clean up hazardous or toxic substances or chemical releases at a property. The costs associated with investigation or remediation activities could be substantial. In addition, if we are the owner or former owner of a contaminated
site, we may be subject to common law claims by third parties based on damages and costs resulting from environmental contamination emanating from the property. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The cost of removal or abatement may substantially exceed the value of the affected properties or the loans secured by those properties, we
may not have adequate remedies against the prior owners or other responsible parties and we may not be able to resell the affected properties either before or after completion of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any such removal or abatement procedures. If material environmental problems are discovered before foreclosure, we generally will not foreclose on the related collateral or will transfer
ownership of the loan to a subsidiary. It should be noted, however, that the transfer of the property or loans to a subsidiary may not protect us from environmental liability. Furthermore, despite these actions on our part, the value of the property
as collateral will generally be substantially reduced or we may elect not to foreclose on the property and, as a result, we may suffer a loss upon collection of the loan. Any significant environmental liabilities could have an adverse effect on our
business, financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are subject to claims and litigation pertaining to intellectual property. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Banking and other financial services companies, such as our company, rely on technology companies to provide information technology products
and services necessary to support their <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">day-to-day</FONT></FONT> operations. Technology companies frequently enter into litigation based on allegations of patent infringement or other
violations of intellectual property rights. In addition, patent holding companies seek to monetize patents they have purchased or otherwise obtained. Competitors of our vendors, or other individuals or companies, may from time to time claim to hold
intellectual property sold to us by our vendors. Such claims may increase in the future as the financial services sector becomes more reliant on information technology vendors. The plaintiffs in these actions frequently seek injunctions and
substantial damages. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Regardless of the scope or validity of such patents or other intellectual property rights, or the merits of any
claims by potential or actual litigants, we may have to engage in protracted litigation. Such litigation is often expensive, time-consuming, disruptive to our operations and distracting to management. If we are found to infringe one or more patents
or other intellectual property rights, we may be required to pay substantial damages or royalties to a third party. In certain cases, we may consider entering into licensing agreements for disputed intellectual property, although no assurance can be
given that such licenses can be obtained on acceptable terms or that litigation will not occur. These licenses may also significantly increase our operating expenses. If legal matters related to intellectual property claims were resolved against us
or settled, we could be required to make payments in amounts that could have an adverse effect on our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>If the goodwill that we have recorded or may record in connection with a business acquisition becomes impaired, it could require charges to earnings.
</I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Goodwill represents the amount by which the cost of an acquisition exceeded the fair value of net assets we acquired in
connection with the purchase of another financial institution. We review goodwill for impairment at least annually, or more frequently if a triggering event occurs which indicates that the carrying value of the asset might be impaired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our goodwill impairment test involves a <FONT STYLE="white-space:nowrap">two-step</FONT> process. Under the first step, the estimation of fair
value of the reporting unit is compared to its carrying value including goodwill. If step one indicates a potential impairment, the second step is performed to measure the amount of impairment, if any. If the carrying amount of the reporting unit
goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess. Any such adjustments are reflected in our results of operations in the periods in which they become known. As of
December&nbsp;31, 2016, our goodwill totaled $18.7&nbsp;million. While we have not recorded any impairment charges since we initially recorded the goodwill, there can be no assurance that our future evaluations of our existing goodwill or goodwill
we may acquire in the future will not result in findings of impairment and related write-downs, which could adversely affect our business, financial condition and results of operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Risks Related to the Regulation of Our Industry </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The ongoing implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, or the Dodd-Frank Act, could adversely affect our
business, financial condition, and results of operations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On July&nbsp;21, 2010, the Dodd-Frank Act was signed into law, and the
process of implementation is ongoing. The Dodd-Frank Act imposes significant regulatory and compliance changes on many industries, including ours. There remains significant uncertainty surrounding the manner in which the provisions of the Dodd-Frank
Act will ultimately be implemented by the various regulatory agencies and the full extent of the impact of the requirements on our operations is unclear, especially in light of the Trump administration&#146;s recent executive order calling for a
full review of the Dodd-Frank Act and the regulations promulgated under it. The changes resulting from the Dodd-Frank Act may impact the profitability of our business activities, require changes to certain of our business practices, require the
development of new compliance infrastructure, impose upon us more stringent capital, liquidity and leverage requirements or otherwise adversely affect our business. These changes may also require us to invest significant management attention and
resources to evaluate and make any changes necessary to comply with new statutory and regulatory requirements. Failure to comply with the new requirements or with any future changes in laws or regulations could adversely affect our business,
financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We operate in a highly regulated environment and the laws and regulations that govern our
operations, corporate governance, executive compensation and accounting principles, or changes in them, or our failure to comply with them, could adversely affect us. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Banking is highly regulated under federal and state law. As such, we are subject to extensive regulation, supervision and legal requirements
that govern almost all aspects of our operations. These laws and regulations are not intended to protect our shareholders. Rather, these laws and regulations are intended to protect customers, depositors, the Deposit Insurance Fund and the overall
financial stability of the United States. These laws and regulations, among other matters, prescribe minimum capital requirements, impose limitations on the business activities in which we can engage, limit the dividend or distributions that the
Bank can pay to us, restrict the ability of institutions to guarantee our debt and impose certain specific accounting requirements on us that may be more restrictive and may result in greater or earlier charges to earnings or reductions in our
capital than GAAP would require. Compliance with laws and regulations can be difficult and costly, and changes to laws and regulations often impose additional operating costs. Our failure to comply with these laws and regulations, even if the
failure follows good faith effort or reflects a difference in interpretation, could subject us to restrictions on our business activities, enforcement actions and fines and other penalties, any of which could adversely affect our results of
operations, regulatory capital levels and the price of our securities. Further, any new laws, rules and regulations, such as the Dodd-Frank Act, could make compliance more difficult or expensive or otherwise adversely affect our business, financial
condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Federal banking agencies periodically conduct examinations of our business, including compliance with laws and
regulations, and our failure to comply with any supervisory actions to which we are or become subject as a result of such examinations could adversely affect us. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As part of the bank regulatory process, the OCC and the Board of Governors of the Federal Reserve System, or Federal Reserve, periodically
conduct examinations of our business, including compliance with laws and regulations. If, as a result of an examination, one of these federal banking agencies were to determine that the financial condition, capital resources, asset quality, earnings
prospects, management, liquidity, asset sensitivity, risk management or other aspects of any of our operations have become unsatisfactory, or that our Company, the Bank or their respective management were in violation of any law or regulation, it
may take a number of different remedial actions as it deems appropriate. These actions include the power to enjoin &#147;unsafe or unsound&#148; practices, to require affirmative actions to correct any conditions resulting from any violation or
practice, to issue an administrative order that can be judicially enforced, to direct an increase in our capital levels, to restrict our </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
growth, to assess civil monetary penalties against us, the Bank or their respective officers or directors, to remove officers and directors and, if it is concluded that such conditions cannot be
corrected or there is an imminent risk of loss to depositors, to terminate the Bank&#146;s deposit insurance. If we become subject to such regulatory actions, our business, financial condition, results of operations and reputation could be adversely
affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We recently became subject to more stringent capital requirements, which may result in lower returns on equity, require the raising of
additional capital, limit our ability to repurchase shares or pay dividends and discretionary bonuses, or result in regulatory action. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Dodd-Frank Act requires the federal banking agencies to establish stricter risk-based capital requirements and leverage limits to apply to
banks and bank and savings and loan holding companies. In July 2013, the federal banking agencies published new capital rules, referred to herein as the Basel III capital rules, which revised their risk-based and leverage capital requirements and
their method for calculating risk-weighted assets. The Basel III capital rules apply to all bank holding companies with $1.0&nbsp;billion or more in consolidated assets and all banks regardless of size. The Basel III capital rules became effective
as applied to us on January&nbsp;1, 2015, with a <FONT STYLE="white-space:nowrap">phase-in</FONT> period for the new capital conservation buffer that generally extends from January&nbsp;1, 2015 through January&nbsp;1, 2019. See &#147;Supervision and
Regulation &#151; Guaranty Bancshares, Inc. &#151; New Rules on Regulatory Capital.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a result of the enactment of the Basel III
capital rules, we became subject to increased required capital levels. Our inability to comply with these more stringent capital requirements could, among other things, result in lower returns on equity; require the raising of additional capital;
limit our ability to repurchase shares or pay dividends and discretionary bonuses; or result in regulatory actions, any of which could adversely affect our business, financial condition and results of operation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Many of our new activities and expansion plans require regulatory approvals, and failure to obtain them may restrict our growth. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to complement and expand our business by pursuing strategic acquisitions of financial institutions and other complementary
businesses. Generally, we must receive federal regulatory approval before we can acquire an FDIC-insured depository institution or related business. In determining whether to approve a proposed acquisition, federal banking regulators will consider,
among other factors, the effect of the acquisition on competition, our financial condition, our future prospects, and the impact of the proposal on U.S. financial stability. The regulators also review current and projected capital ratios and levels,
the competence, experience and integrity of management and its record of compliance with laws and regulations, the convenience and needs of the communities to be served (including the acquiring institution&#146;s record of compliance under the
Community Reinvestment Act, or the CRA) and the effectiveness of the acquiring institution in combating money laundering activities. Such regulatory approvals may not be granted on terms that are acceptable to us, or at all. We may also be required
to sell banking locations as a condition to receiving regulatory approval, which condition may not be acceptable to us or, if acceptable to us, may reduce the benefit of any acquisition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition to the acquisition of existing financial institutions, as opportunities arise, we plan to continue <I>de novo</I> branching as a
part of our expansion strategy. <I>De novo</I> branching and acquisitions carry with them numerous risks, including the inability to obtain all required regulatory approvals. The failure to obtain these regulatory approvals for potential future
strategic acquisitions and <I>de novo</I> banking locations could impact our business plans and restrict our growth. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Financial institutions, such
as the Bank, face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Bank Secrecy Act, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of
2001, or the USA PATRIOT Act, and other laws and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
regulations require financial institutions, among other duties, to institute and maintain an effective anti-money laundering program and file suspicious activity and currency transaction reports
as appropriate. The Financial Crimes Enforcement Network, established by the U.S. Department of the Treasury, or the Treasury Department, to administer the Bank Secrecy Act, is authorized to impose significant civil money penalties for violations of
those requirements and has recently engaged in coordinated enforcement efforts with the individual federal banking regulators, as well as the U.S. Department of Justice, Drug Enforcement Administration and the Internal Revenue Service. There is also
increased scrutiny of compliance with the sanctions programs and rules administered and enforced by the Treasury Department&#146;s Office of Foreign Assets Control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In order to comply with regulations, guidelines and examination procedures in this area, we have dedicated significant resources to our
anti-money laundering program. If our policies, procedures and systems are deemed deficient, we could be subject to liability, including fines and regulatory actions such as restrictions on our ability to pay dividends and the inability to obtain
regulatory approvals to proceed with certain aspects of our business plans, including acquisitions and <I>de novo</I> branching. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are subject to
numerous laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The CRA, the Equal Credit Opportunity Act, the Fair Housing Act and other fair lending laws and regulations impose nondiscriminatory lending
requirements on financial institutions. The Consumer Financial Protection Bureau, or CFPB, the U.S. Department of Justice and other federal agencies are responsible for enforcing these laws and regulations. The CFPB was created under the Dodd-Frank
Act to centralize responsibility for consumer financial protection with broad rulemaking authority to administer and carry out the purposes and objectives of federal consumer financial laws with respect to all financial institutions that offer
financial products and services to consumers. The CFPB is also authorized to prescribe rules applicable to any covered person or service provider, identifying and prohibiting acts or practices that are &#147;unfair, deceptive, or abusive&#148; in
connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. The ongoing broad rulemaking powers of the CFPB have potential to have a significant impact on
the operations of financial institutions offering consumer financial products or services. The CFPB has indicated that it may propose new rules on overdrafts and other consumer financial products or services, which could have an adverse effect on
our business, financial condition and results of operations if any such rules limit our ability to provide such financial products or services. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A successful regulatory challenge to an institution&#146;s performance under the CRA, fair lending or consumer lending laws and regulations
could result in a wide variety of sanctions, including damages and civil money penalties, injunctive relief, restrictions on mergers and acquisitions activity, restrictions on expansion, and restrictions on entering new business lines. Private
parties may also have the ability to challenge an institution&#146;s performance under fair lending laws in private class action litigation. Such actions could have an adverse effect on our business, financial condition and results of operations.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Increases in FDIC insurance premiums could adversely affect our earnings and results of operations. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are generally unable to control the amount of premiums that we are required to pay for FDIC insurance. As a result of economic conditions
and the enactment of the Dodd-Frank Act, the FDIC has in recent years increased deposit insurance assessment rates, which in turn raised deposit premiums for many insured depository institutions. In 2010, the FDIC increased the Deposit Insurance
Fund&#146;s target reserve ratio to 2.0% of insured deposits following the Dodd-Frank Act&#146;s elimination of the 1.5% cap on the insurance fund&#146;s reserve ratio, and the FDIC as put in place a restoration plan to restore the Deposit Insurance
Fund to its 1.35% minimum reserve ratio managed by the Dodd-Frank Act by September&nbsp;30, 2020. If recent increases in premiums are insufficient for the Deposit Insurance Fund to meet its funding requirements, further special assessments or
increases in deposit insurance premiums may be required. Further, if there are additional financial institution failures that affect the Deposit Insurance Fund, we may be required to pay higher FDIC premiums. Our FDIC
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
insurance related costs were $1.2&nbsp;million for the year ended December&nbsp;31, 2016, compared to $743,000 for the year ended December&nbsp;31, 2015, and $680,000 for the year ended
December&nbsp;31, 2014. Any future additional assessments, increases or required prepayments in FDIC insurance premiums could adversely affect our earnings and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The Federal Reserve may require us to commit capital resources to support the Bank. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Federal Reserve requires a bank holding company to act as a source of financial and managerial strength to its subsidiary banks and to
commit resources to support its subsidiary banks. Under the &#147;source of strength&#148; doctrine that was codified by the Dodd-Frank Act, the Federal Reserve may require a bank holding company to make capital injections into a troubled subsidiary
bank at times when the bank holding company may not be inclined to do so and may charge the bank holding company with engaging in unsafe and unsound practices for failure to commit resources to such a subsidiary bank. Accordingly, we could be
required to provide financial assistance to the Bank if it experiences financial distress. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A capital injection may be required at a time
when our resources are limited, and we may be required to borrow the funds or raise capital to make the required capital injection. Any loan by a bank holding company to its subsidiary bank is subordinate in right with payment to deposits and
certain other indebtedness of such subsidiary bank. In the event of a bank holding company&#146;s bankruptcy, the bankruptcy trustee will assume any commitment by the holding company to a federal bank regulatory agency to maintain the capital of a
subsidiary bank. Moreover, bankruptcy law provides that claims based on any such commitment will be entitled to a priority of payment over the claims of the holding company&#146;s general unsecured creditors, including the holders of any note
obligations. Thus, any borrowing by a bank holding company for the purpose of making a capital injection to a subsidiary bank often becomes more difficult and expensive relative to other corporate borrowings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We could be adversely affected by the soundness of other financial institutions. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Financial services institutions are interrelated as a result of trading, clearing, counterparty or other relationships. We have exposure to
many different industries and counterparties, and routinely execute transactions with counterparties in the financial services industry, including commercial banks, brokers and dealers, investment banks and other institutional clients. Many of these
transactions expose us to credit risk in the event of a default by a counterparty or client. In addition, our credit risk may be exacerbated when our collateral cannot be foreclosed upon or is liquidated at prices not sufficient to recover the full
amount of the credit or derivative exposure due. Any such losses could adversely affect our business, financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Monetary policies and regulations of the Federal Reserve could adversely affect our business, financial condition and results of operations.
</I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition to being affected by general economic conditions, our earnings and growth are affected by the policies of the Federal
Reserve. An important function of the Federal Reserve is to regulate the U.S. money supply and credit conditions. Among the instruments used by the Federal Reserve to implement these objectives are open market purchases and sales of securities by
the Federal Reserve, adjustments of both the discount rate and the federal funds rate and changes in reserve requirements against bank deposits. These instruments are used in varying combinations to influence overall economic growth and the
distribution of credit, bank loans, investments and deposits. Their use also affects interest rates charged on loans or paid on deposits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The monetary policies and regulations of the Federal Reserve have had a significant effect on the operating results of commercial banks in the
past and are expected to continue to do so in the future. Although we cannot determine the effects of such policies on us at this time, such policies could adversely affect our business, financial condition and results of operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are subject to commercial real estate lending guidance issued by the federal banking regulators that
impacts our operations and capital requirements. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The federal banking regulators have issued guidance regarding concentrations in
commercial real estate lending directed at institutions that have particularly high concentrations of commercial real estate loans within their lending portfolios. This guidance suggests that institutions whose commercial real estate loans exceed
certain percentages of capital should implement heightened risk management practices appropriate to their concentration risk and may be required to maintain higher capital ratios than institutions with lower concentrations in commercial real estate
lending. Based on our commercial real estate concentration as of December&nbsp;31, 2016, we believe that we are operating within the guidelines. However, increases in our commercial real estate lending, particularly as we expand into metropolitans
markets and make more of these loans, could subject us to additional supervisory analysis. We cannot guarantee that any risk management practices we implement will be effective to prevent losses relating to our commercial real estate portfolio.
Management has implemented controls to monitor our commercial real estate lending concentrations, but we cannot predict the extent to which this guidance will impact our operations or capital requirements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Risks Related to an Investment in Our Common Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>There is currently no regular market for our common stock. An active, liquid market for our common stock may not develop or be sustained upon completion
of this offering, which may impair your ability to sell your shares. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our common stock is not currently traded on an established
public trading market. From 1998 to 2005, our common stock was listed on the Nasdaq Stock Market LLC under the symbol &#147;GNTY.&#148; In 2005, we terminated the registration of our common stock under Section&nbsp;12(g) of the Exchange Act and,
consequently, terminated the listing of our common stock on the Nasdaq Stock Market LLC. Since the delisting of our common stock in 2005, shares of our common stock have been quoted on the OTC Markets under the same symbol, although there has been
no material trading volume in our common stock through our quotation on the OTC Markets. As a result, since 2005 there has been no regular market for our common stock. We have applied to list our common stock on the NASDAQ Global Select Market, but
an active, liquid trading market for our common stock may not develop or be sustained following this offering. A public trading market having the desired characteristics of depth, liquidity and orderliness depends upon the presence in the
marketplace and independent decisions of willing buyers and sellers of our common stock, over which we have no control. Without an active, liquid trading market for our common stock, shareholders may not be able to sell their shares at the volume,
prices and times desired. Moreover, the lack of an established market could materially and adversely affect the value of our common stock. The market price of our common stock could decline significantly due to actual or anticipated issuances or
sales of our common stock in the future. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The market price of our common stock may be subject to substantial fluctuations, which may make it
difficult for you to sell your shares at the volume, prices and times desired. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The market price of our common
stock may be highly volatile, which may make it difficult for you to resell your shares at the volume, prices and times desired. There are many factors that may affect the market price and trading volume of our common stock, including, without
limitation: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">actual or anticipated fluctuations in our operating results, financial condition or asset quality; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in economic or business conditions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the effects of, and changes in, trade, monetary and fiscal policies, including the interest rate policies of the Federal Reserve; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">publication of research reports about us, our competitors, or the financial services industry generally, or changes in, or failure to meet, securities analysts&#146; estimates of our financial and operating performance,
or lack of research reports by industry analysts or ceasing of coverage; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">operating and stock price performance of companies that investors deemed comparable to us; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">additional or anticipated sales of our common stock or other securities by us or our existing shareholders; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">additions or departures of key personnel; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">perceptions in the marketplace regarding our competitors or us, including the perception that investment in Texas is unattractive or less attractive during periods of low oil prices; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">significant acquisitions or business combinations, strategic partnerships, joint ventures or capital commitments by or involving our competitors or us; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">other economic, competitive, governmental, regulatory and technological factors affecting our operations, pricing, products and services; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">other news, announcements or disclosures (whether by us or others) related to us, our competitors, our primary markets or the financial services industry. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The stock market and, in particular, the market for financial institution stocks have experienced substantial fluctuations in recent years,
which in many cases have been unrelated to the operating performance and prospects of particular companies. In addition, significant fluctuations in the trading volume in our common stock may cause significant price variations to occur. Increased
market volatility may materially and adversely affect the market price of our common stock, which could make it difficult to sell your shares at the volume, prices and times desired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The market price of our common stock could decline significantly due to actual or anticipated issuances or sales of our common stock in the future.
</I></B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Actual or anticipated issuances or sales of substantial amounts of our common stock following this offering could cause the
market price of our common stock to decline significantly and make it more difficult for us to sell equity or equity-related securities in the future at a time and on terms that we deem appropriate. The issuance of any shares of our common stock in
the future also would, and equity-related securities could, dilute the percentage ownership interest held by shareholders prior to such issuance. Our certificate of formation authorizes us to issue up to 50,000,000 shares of our common stock,
10,753,933 of which will be outstanding following the completion of this offering (or 11,053,933 shares if the underwriters exercise in full their over-allotment option). All 2,000,000 of the shares of common stock sold in this offering (or
2,300,000 shares if the underwriters exercise in full their option to purchase additional shares of common stock) will be freely tradable, except that any shares purchased by our &#147;affiliates&#148; (as that term is defined in Rule 144 under the
Securities Act of 1933, as amended, or the Securities Act) may be resold only in compliance with the limitations described under &#147;Shares Eligible for Future Sale.&#148; The remaining 8,753,933 outstanding shares of our common stock will be
deemed to be &#147;restricted securities&#148; as that term is defined in Rule 144, and may be resold in the United States only if they are registered for resale under the Securities Act or an exemption, such as Rule 144, is available. We also
intend to file a registration statement on Form <FONT STYLE="white-space:nowrap">S-8</FONT> under the Securities Act to register an aggregate of approximately 1,000,000 shares of common stock issued or reserved for issuance under our equity
incentive plan and an indeterminate amount of plan interests in our common stock to be offered and sold pursuant to the KSOP. We may issue all of these shares without any action or approval by our shareholders, and these shares, once issued
(including upon exercise of outstanding options), will be available for sale into the public market, subject to the restrictions described above, if applicable, for affiliate holders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Further, in connection with this offering, we, our directors, our executive officers and
certain shareholders have agreed to enter into <FONT STYLE="white-space:nowrap">lock-up</FONT> agreements that restrict the sale of their holdings of our common stock for a period of 180 days from the date of this prospectus, subject to an extension
in certain circumstances. The underwriters, in their discretion, may release any of the shares of our common stock subject to these <FONT STYLE="white-space:nowrap">lock-up</FONT> agreement at any time without notice. In addition, after this
offering, approximately 4,734,052 shares of our common stock will not be subject to <FONT STYLE="white-space:nowrap">lock-up.</FONT> The resale of such shares could cause the market price of our stock to drop significantly, and concerns that those
sales may occur could cause the trading price of our common stock to decrease or to be lower than it should be. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, we may
issue shares of our common stock or other securities from time to time as consideration for future acquisitions and investments and pursuant to compensation and incentive plans. If any such acquisition or investment is significant, the number of
shares of our common stock, or the number or aggregate principal amount, as the case may be, of other securities that we may issue may in turn be substantial. We may also grant registration rights covering those shares of our common stock or other
securities in connection with any such acquisitions and investments. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We cannot predict the size of future issuances of our common stock
or the effect, if any, that future issuances and sales of our common stock will have on the market price of our common stock. Sales of substantial amounts of our common stock (including shares of our common stock issued in connection with an
acquisition or under a compensation or incentive plan), or the perception that such sales could occur, may adversely affect prevailing market prices for our common stock and could impair our ability to raise capital through future sales of our
securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The obligations associated with being a public company will require significant resources and management attention, which will increase
our costs of operations and may divert focus from our business operations. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a public company, we will face increased legal,
accounting, administrative and other costs and expenses that we have not incurred as a private company, particularly after we no longer qualify as an emerging growth company. We expect to incur incremental costs related to operating as a public
company of approximately $500,000 annually, although there can be no assurance that these costs will not be higher, particularly when we no longer qualify as an emerging growth company. After the completion of this offering, we will be subject to
the reporting requirements of the Exchange Act, which requires that we file annual, quarterly and current reports with respect to our business and financial condition and proxy and other information statements, and the rules and regulations
implemented by the SEC, the Sarbanes-Oxley Act, the Dodd-Frank Act, the PCAOB and the NASDAQ Global Select Market, each of which imposes additional reporting and other obligations on public companies. As a public company, compliance with these
reporting requirements and other SEC and the NASDAQ Global Select Market rules will make certain operating activities more time-consuming, and we will also incur significant new legal, accounting, insurance and other expenses. Furthermore, the need
to establish the corporate infrastructure demanded of a public company may divert management&#146;s attention from implementing our operating strategy, which could prevent us from successfully implementing our strategic initiatives and improving our
results of operations. We have made, and will continue to make, changes to our internal controls and procedures for financial reporting and accounting systems to meet our reporting obligations as a public company. However, we cannot predict or
estimate the amount of additional costs we may incur in order to comply with these requirements. We anticipate that these costs will materially increase our general and administrative expenses and such increases will reduce our profitability. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Investors in this offering will experience immediate and substantial dilution. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The initial public offering price is expected to be substantially higher than the net tangible book value per share of our common stock
immediately following this offering. Therefore, if you purchase shares in this offering, you will experience immediate and substantial dilution in net tangible book value per share in relation to the price that you paid for your shares. We expect
the dilution as a result of this offering and the KSOP </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Repurchase Right Termination to be $11.35 per share, based on an assumed initial offering price of $27.00 per share (the midpoint of the range set forth on the cover page of this prospectus) and
our pro forma net tangible book value of $15.65 per share as of December&nbsp;31, 2016. Accordingly, if we were liquidated at our pro forma net tangible book value, you would not receive the full amount of your investment. See &#147;Dilution.&#148;
</P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Securities analysts may not initiate or continue coverage on us. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The trading market for our common stock will depend, in part, on the research and reports that securities analysts publish about us and our
business. We do not have any control over these securities analysts, and they may not cover us. If one or more of these analysts cease to cover us or fail to publish regular reports on us, we could lose visibility in the financial markets, which
could cause the price or trading volume of our common stock to decline. If we are covered by securities analysts and are the subject of an unfavorable report, the price of our common stock may decline. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our management and board of directors have significant control over our business. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of April 28, 2017, our directors and named executive officers beneficially owned an aggregate of 2,148,324 shares, or approximately 24.5%,
of our issued and outstanding shares of common stock, including 304,788 shares that are held by our KSOP and allocated to the accounts of our named executive officers. As of April&nbsp;28, 2017, our KSOP owned an aggregate of 1,319,225 shares, or
approximately 15.1% of our issued and outstanding shares. A committee consisting of four independent directors of the Company, which we refer to herein as the KSOP Committee, currently serves as trustee of the KSOP. Because our common stock is not
currently listed on a national securities exchange, the trustee of the KSOP generally has voting power with respect to the shares of our common stock held by the KSOP, except in certain limited circumstances, such as a merger, consolidation, or
other extraordinary corporate matter. As such, the KSOP Committee, as trustee of the KSOP, has voting control over the shares held by the KSOP on most matters that require a vote of our shareholders. Following completion of this offering and the
listing of our common stock on the NASDAQ Global Select Market, each KSOP participant will have the right to vote the shares allocated to such participant&#146;s account on all matters requiring a vote of our shareholders, but the KSOP committee, as
trustee of the KSOP, will retain sole voting power over all shares held by the KSOP that are not allocated to participants&#146; accounts and all shares for which they have received no voting instructions from the participant. As of April 28, 2017,
37,229 of the 1,319,225 shares owned by our KSOP were unallocated to participants&#146; accounts. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Following the completion of this
offering, our directors and named executive officers will beneficially own approximately 19.9% of our outstanding common stock (or 19.4% if the underwriters exercise their option to purchase additional shares of common stock in full), including
311,728 shares that are held by our KSOP and allocated to the accounts of such individuals. Consequently, our management and board of directors may be able to significantly affect the outcome of the election of directors and the potential outcome of
other matters submitted to a vote of our shareholders, such as mergers, the sale of substantially all of our assets and other extraordinary corporate matters. The interests of these insiders could conflict with the interests of our other
shareholders, including you. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We have broad discretion in the use of the net proceeds to us from this offering, and our use of these proceeds
may not yield a favorable return on your investment. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to use the net proceeds to us from this offering to further
implement our expansion strategy, repay a portion of our corporate debt, fund organic growth in our banking markets and for general corporate purposes. We have not specifically allocated the amount of net proceeds to us that will be used for these
purposes and our management will have broad discretion over how these proceeds are used and could spend these proceeds in ways with which you may not agree. In addition, we may not use the net proceeds to us from this offering effectively or in a
manner that increases our market value or enhances our profitability. We have not established a timetable for the effective deployment of the net proceeds to us, and we cannot predict how long it will take to deploy these proceeds. Investing the net
proceeds to us in securities until we are able to deploy these </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
proceeds will provide lower yields than we generally earn on loans, which may have an adverse effect on our profitability. Although we may, from time to time in the ordinary course of business,
evaluate potential acquisition opportunities that we believe provide attractive risk-adjusted returns, we do not have any immediate plans, arrangements or understandings relating to any acquisitions, nor are we engaged in negotiations with any
potential acquisition targets. Likewise, although we regularly consider establishing <I>de novo</I> banking locations and organic growth initiatives within our current and potential new markets, we do not have any immediate plans, arrangements or
understandings relating to the establishment of any <I>de novo</I> banking locations or any other organic growth initiatives outside of the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The holders of our existing debt obligations, as well as debt obligations that may be outstanding in the future, will have priority over our common
stock with respect to payment in the event of liquidation, dissolution or winding up and with respect to the payment of interest. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In the event of any liquidation, dissolution or winding up of the Company, our common stock would rank below all claims of debt holders
against us. As of the date of this prospectus, we had outstanding approximately $19.9 million of senior debt obligations relating to advances on our senior, unsecured line of credit, $9.0&nbsp;million of subordinated debt obligations and
approximately $10.3&nbsp;million of junior subordinated debentures issued to statutory trusts that, in turn, issued $10.0&nbsp;million of trust preferred securities. Payments of the principal and interest on the trust preferred securities are
conditionally guaranteed by us. Our debt obligations are senior to our shares of common stock. As a result, we must make payments on our debt obligations before any dividends can be paid on our common stock. In the event of our bankruptcy,
dissolution or liquidation, the holders of our debt obligations must be satisfied before any distributions can be made to the holders of our common stock. We have the right to defer distributions on our junior subordinated debentures (and the
related trust preferred securities) for up to five years, during which time no dividends may be paid to holders of our common stock. To the extent that we issue additional debt obligations or junior subordinated debentures, the additional debt
obligations or additional junior subordinated debentures will be of equal rank with, or senior to, our existing debt obligations and senior to our shares of common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We may issue shares of preferred stock in the future, which could make it difficult for another company to acquire us or could otherwise adversely
affect holders of our common stock, which could depress the price of our common stock. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">At the time of this offering, our
certificate of formation will authorize us to issue up to&nbsp;15,000,000 shares of one or more series of preferred stock. Our board of directors will have the authority to determine the preferences, limitations and relative rights of shares of
preferred stock and to fix the number of shares constituting any series and the designation of such series, without any further vote or action by our shareholders. Our preferred stock could be issued with voting, liquidation, dividend and other
rights superior to the rights of our common stock. The potential issuance of preferred stock may delay or prevent a change in control of us, discouraging bids for our common stock at a premium over the market price, and materially adversely affect
the market price and the voting and other rights of the holders of our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are an emerging growth company, and the reduced regulatory
and reporting requirements applicable to emerging growth companies may make our common stock less attractive to investors. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are
an emerging growth company, as defined in the JOBS Act. For as long as we continue to be an emerging growth company we may to take advantage of reduced regulatory and reporting requirements that are otherwise generally applicable to public
companies. These include, without limitation, not being required to comply with the auditor attestation requirements of Section&nbsp;404(b) of the Sarbanes-Oxley Act, reduced financial reporting requirements, reduced disclosure obligations regarding
executive compensation, and exemptions from the requirements of holding <FONT STYLE="white-space:nowrap">non-binding</FONT> advisory votes on executive compensation and golden parachute payments. The JOBS Act also permits an emerging growth company
such as us to take advantage of an extended transition period to comply with new or revised accounting standards applicable to public companies. However, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
we have irrevocably &#147;opted out&#148; of this provision, and we will comply with new or revised accounting standards to the same extent that compliance is required for <FONT
STYLE="white-space:nowrap">non-emerging</FONT> growth companies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We may take advantage of these provisions for up to five years, unless
we earlier cease to be an emerging growth company, which would occur if our annual gross revenues exceed $1.0&nbsp;billion, if we issue more than $1.0&nbsp;billion in <FONT STYLE="white-space:nowrap">non-convertible</FONT> debt in a three-year
period or if the market value of our common stock held by <FONT STYLE="white-space:nowrap">non-affiliates</FONT> exceeds $700.0&nbsp;million as of any June&nbsp;30, in which case we would no longer be an emerging growth company as of the following
December&nbsp;31. Investors may find our common stock less attractive because we intend to rely on certain of these exemptions, which may result in a less active trading market and increased volatility in our stock price. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>We are dependent upon the Bank for cash flow, and the Bank&#146;s ability to make cash distributions is restricted. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our primary tangible asset is Guaranty Bank&nbsp;&amp; Trust. As such, we depend upon the Bank for cash distributions (through dividends on
the Bank&#146;s common stock) that we use to pay our operating expenses, satisfy our obligations (including our subordinated debentures and our other debt obligations) and to pay dividends on our common stock. Federal statutes, regulations and
policies restrict the Bank&#146;s ability to make cash distributions to us. These statutes and regulations require, among other things, that the Bank maintain certain levels of capital in order to pay a dividend. Further, the OCC has the ability to
restrict the Bank&#146;s payment of dividends by supervisory action. If the Bank is unable to pay dividends to us, we will not be able to satisfy our obligations or pay dividends on our common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our dividend policy may change without notice, and our future ability to pay dividends is subject to restrictions. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Beginning in the first quarter of 2017, we anticipate that dividends will be declared and paid in the month following the end of each calendar
quarter, and we anticipate paying a quarterly dividend on our common stock in an amount equal to approximately 25.0% to 30.0% of our net income for the immediately preceding quarter. However, holders of our common stock are entitled to receive only
such cash dividends as our board of directors may declare out of funds legally available for such payments. Any declaration and payment of dividends on common stock will depend upon our earnings and financial condition, liquidity and capital
requirements, the general economic and regulatory climate, our ability to service any equity or debt obligations senior to the common stock and other factors deemed relevant by our board of directors. Furthermore, consistent with our strategic
plans, growth initiatives, capital availability, projected liquidity needs and other factors, we have made, and will continue to make, capital management decisions and policies that could adversely affect the amount of dividends, if any, paid to our
common shareholders. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Federal Reserve has indicated that bank holding companies should carefully review their dividend policy in
relation to the organization&#146;s overall asset quality, current and prospective earnings and level, composition and quality of capital. The guidance provides that we inform and consult with the Federal Reserve prior to declaring and paying a
dividend that exceeds earnings for the period for which the dividend is being paid or that could result in an adverse change to our capital structure, including interest on the subordinated debentures underlying our trust preferred securities and
our other debt obligations. If required payments on our outstanding junior subordinated debentures, held by our unconsolidated subsidiary trusts, or our other debt obligations, are not made or are deferred, or dividends on any preferred stock we may
issue are not paid, we will be prohibited from paying dividends on our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Our corporate organizational documents and provisions of
federal and state law to which we are subject contain certain provisions that could have an anti-takeover effect and may delay, make more difficult or prevent an attempted acquisition that you may favor or an attempted replacement of our board of
directors or management. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our certificate of formation and our bylaws (each as amended and restated and in effect
prior to the completion of this offering) may have an anti-takeover effect and may delay, discourage or prevent an attempted </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
acquisition or change of control or a replacement of our board of directors or management. Our governing documents include provisions that: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">empower our board of directors, without shareholder approval, to issue our preferred stock, the terms of which, including voting power, are to be set by our board of directors; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">divide our board of directors into three classes serving staggered three-year terms; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">provide that directors may only be removed from office for cause and only upon a majority shareholder vote; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">eliminate cumulative voting in elections of directors; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">permit our board of directors to alter, amend or repeal our amended and restated bylaws or to adopt new bylaws; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require the request of holders of at least 50.0% of the outstanding shares of our capital stock entitled to vote at a meeting to call a special shareholders&#146; meeting; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">prohibit shareholder action by less than unanimous written consent, thereby requiring virtually all actions to be taken at a meeting of the shareholders; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require shareholders that wish to bring business before annual or special meetings of shareholders, or to nominate candidates for election as directors at our annual meeting of shareholders, to provide timely notice of
their intent in writing; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">enable our board of directors to increase, between annual meetings, the number of persons serving as directors and to fill the vacancies created as a result of the increase by a majority vote of the directors present at
a meeting of directors. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, certain provisions of Texas law, including a provision which restricts certain
business combinations between a Texas corporation and certain affiliated shareholders, may delay, discourage or prevent an attempted acquisition or change in control. Furthermore, banking laws impose notice, approval, and ongoing regulatory
requirements on any shareholder or other party that seeks to acquire direct or indirect &#147;control&#148; of an FDIC-insured depository institution or its holding company. These laws include the Bank Holding Company Act of 1956, as amended, or the
BHC Act, and the Change in Bank Control Act, or the CBCA. These laws could delay or prevent an acquisition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Furthermore, our amended and
restated certificate of formation provides that the state courts located in Titus County, Texas, the county in which our headquarters in Mount Pleasant lie, will be the exclusive forum for: (a)&nbsp;any actual or purported derivative action or
proceeding brought on our behalf, (b)&nbsp;any action asserting a claim of breach of fiduciary duty by any of our directors or officers, (c)&nbsp;any action asserting a claim against us or our directors or officers arising pursuant to the TBOC, our
certificate of formation, or our bylaws; or (d)&nbsp;any action asserting a claim against us or our officers or directors that is governed by the internal affairs doctrine. By becoming a shareholder of our Company, you will be deemed to have notice
of and have consented to the provisions of our amended and restated certificate of formation related to choice of forum. The choice of forum provision in our amended and restated certificate of formation may limit our shareholders&#146; ability to
obtain a favorable judicial forum for disputes with us. Alternatively, if a court were to find the choice of forum provision contained in our amended and restated certificate of formation to be inapplicable or unenforceable in an action, we may
incur additional costs associated with resolving such action in other jurisdictions, which could adversely affect our business, operating results, and financial condition. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>An investment in our common stock is not an insured deposit and is subject to risk of loss. </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Any shares of our common stock you purchase in this offering will not be savings accounts, deposits or other obligations of any of our bank or
<FONT STYLE="white-space:nowrap">non-bank</FONT> subsidiaries and will not be insured or guaranteed by the FDIC or any other government agency. Your investment will be subject to investment risk, and you must be capable of affording the loss of your
entire investment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_4"></A>FORWARD-LOOKING STATEMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This prospectus contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other
things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as &#147;may,&#148; &#147;should,&#148; &#147;could,&#148; &#147;predict,&#148; &#147;potential,&#148;
&#147;believe,&#148; &#147;will likely result,&#148; &#147;expect,&#148; &#147;continue,&#148; &#147;will,&#148; &#147;anticipate,&#148; &#147;seek,&#148; &#147;estimate,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;projection,&#148;
&#147;would&#148; and &#147;outlook,&#148; or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current
expectations, estimates and projections about our industry, management&#146;s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any
such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements
are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking
statements, including, but not limited to, the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">our ability to prudently manage our growth and execute our strategy; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">risks associated with our acquisition and <I>de novo</I> branching strategy; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">business and economic conditions generally and in the financial services industry, nationally and within our primary markets; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">deterioration of our asset quality; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in the value of collateral securing our loans; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in management personnel; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">liquidity risks associated with our business; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">interest rate risk associated with our business; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">our ability to maintain important deposit customer relationships and our reputation; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">operational risks associated with our business; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">volatility and direction of market interest rates; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increased competition in the financial services industry, particularly from regional and national institutions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in the laws, rules, regulations, interpretations or policies relating to financial institution, accounting, tax, trade, monetary and fiscal matters; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">further government intervention in the U.S. financial system; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">natural disasters and adverse weather, acts of terrorism, an outbreak of hostilities or other international or domestic calamities, and other matters beyond our control; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">other factors that are discussed in the section entitled &#147;Risk Factors,&#148; beginning on page 20. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The foregoing factors should not be construed as exhaustive and should be read together with the
other cautionary statements included in this prospectus. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we
anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review
any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. In addition, we cannot assess the impact of
each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_5"></A>USE OF PROCEEDS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We estimate that the net proceeds to us from the sale of our common stock in this offering will be approximately $48.4 million, or
approximately $56.0 million if the underwriters elect to exercise in full their option to purchase additional shares of common stock, in each case, assuming an initial public offering price of $27.00 per share, the midpoint of the price range set
forth on the cover of this prospectus, and after deducting estimated underwriting discounts and commissions and offering expenses payable by us. Each $1.00 increase or decrease in the assumed initial public offering price would increase or decrease
(as applicable) the net proceeds to us from this offering by approximately $1.9 million, or approximately $2.1 million if the underwriters elect to exercise in full their option to purchase additional shares of common stock, in each case, assuming
the number of shares we sell, as set forth on the cover of this prospectus, remains the same, after deducting estimated underwriting discounts and commissions and offering expenses payable by us. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to use the net proceeds to us from this offering to further implement our expansion strategy, repay a portion of our corporate debt,
fund organic growth in our banking markets and for general corporate purposes. We have not specifically allocated the amount of net proceeds to us that will be used for these purposes and our management will have broad discretion over how these
proceeds are used. We are conducting this offering at this time because we believe that it will allow us to better execute our expansion strategy. Although we may, from time to time in the ordinary course of business, evaluate potential acquisition
opportunities that we believe provide attractive risk-adjusted returns, we do not have any immediate plans, arrangements or understanding relating to any acquisitions, nor are we engaged in negotiations with any potential acquisition targets.
Likewise, although we regularly consider establishing <I>de novo</I> banking locations and organic growth initiatives within our current and potential new markets, we do not have any immediate plans, arrangements or understanding relating to the
establishment of any <I>de novo</I> banking locations or any other organic growth initiatives outside of the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to use $19.9 million of the proceeds from this offering to repay in full the outstanding balance on our line of credit with our
correspondent bank. The line of credit is unsecured and bears interest at the prime rate plus 0.50%, with interest payable quarterly, and matures in March 2018. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to use $4.5&nbsp;million of the proceeds from this offering to redeem a portion of certain debentures issued by the Company in July
and December 2015 with an aggregate principal amount of $9.0&nbsp;million. The debentures have maturity dates ranging from July 2017 to June 2020, with interest rates varying with the maturity date. The debentures have a weighted average interest
rate of 3.67%, and interest is payable semi-annually from the date of issuance. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, we intend to contribute approximately
$15.0 million of the proceeds from this offering to the Bank and retain the remaining proceeds at the holding company level for general corporate purposes. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_6"></A>DIVIDEND POLICY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Effective January&nbsp;1, 2008, we made the election to be taxed as an electing small business corporation under Subchapter S of the Internal
Revenue Code. Accordingly, we made quarterly distributions to our shareholders to provide them with funds to pay federal income taxes on the pro rata portion of our taxable income that was &#147;passed through&#148; to them. We have also
historically declared and paid semi-annual dividends in June and December of each year, based on our earnings. Effective December&nbsp;31, 2013, we terminated our election to be an electing small business corporation under Subchapter S of the
Internal Revenue Code, and our dividend policy and practice changed because we are now taxed as a C corporation and, therefore, we will no longer pay distributions to provide shareholders with funds to pay federal income taxes on their pro rata
portion of our taxable income. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Despite the termination of our Subchapter S election, we paid dividends of $0.50 per share and a special
dividend of $1.00 per share for the year ended December&nbsp;31, 2014, since all dividends we pay for the first 12 months following the termination of our Subchapter S election were not subject to federal income taxation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In connection with this offering, our board of directors intends to amend its policy to pay a dividend to holders of our common stock as a
return on their investment. Following the completion of this offering, we anticipate paying a quarterly dividend on our common stock in an amount equal to approximately 25.0% to 30.0% of our net income for the immediately preceding quarter.
Beginning in the first quarter of 2017, we anticipate that dividends will be declared and paid in the month following the end of each calendar quarter. Our dividend policy may change with respect to the payment of dividends as a return on
investment, and our board of directors may change or eliminate the payment of future dividends at its discretion, without notice to our shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Any future determination to pay dividends on our common stock will be made by our board of directors and will depend on a number of factors,
including: (1)&nbsp;our historic and projected financial condition, liquidity and results of operations; (2)&nbsp;our capital levels and needs; (3)&nbsp;tax considerations; (4)&nbsp;any acquisitions or potential acquisitions that we may examine;
(5)&nbsp;statutory and regulatory prohibitions and other limitations; (6)&nbsp;the terms of any credit agreements or other borrowing arrangements that restrict our ability to pay cash dividends; (7)&nbsp;general economic conditions and
(8)&nbsp;other factors deemed relevant by our board of directors. We are not obligated to pay dividends on our common stock. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Subject to the restrictions discussed below, our shareholders are entitled to receive
dividends when, as, and if declared by our board of directors out of legally available funds for that purpose. The following table shows recent and semi-annual dividends that have been paid on our common stock with respect to the periods indicated,
as well as a quarterly dividend for the first quarter in 2017. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="20%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="20%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Earnings dividends</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total cash dividends</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Quarterly period</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;amount&nbsp;per&nbsp;share<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;(dollars&nbsp;in&nbsp;thousands)&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First quarter 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second quarter 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third quarter 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth quarter 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First quarter 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second quarter 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,295</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third quarter 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth quarter 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First quarter 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second quarter 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,328</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third quarter 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth quarter 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First quarter 2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">0.130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">(1) The
amounts have been adjusted to reflect our <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">2-for-1</FONT></FONT> stock split that was effective as of August&nbsp;20, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a Texas corporation, we are subject to certain restrictions on distributions under the Texas Business Organizations Code, or TBOC.
Generally, a Texas corporation may not make a distribution to its shareholders if, after giving it effect, the corporation would not be able to pay its debts as they become due in the usual course of business, or the corporation&#146;s total assets
would be less than the sum of its total liabilities plus the amount that would be needed if the corporation were to be dissolved at the time of the distribution to satisfy the preferential rights upon dissolution of shareholders whose preferential
rights are superior to those receiving the distribution. In addition, if required payments on our outstanding debt obligations, including our junior subordinated debentures held by our unconsolidated subsidiary trusts, are not made or suspended, we
may be prohibited from paying dividends on our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Because we are a bank holding company and do not engage directly in business
activities of a material nature, our ability to pay dividends to our shareholders depends, in large part, upon our receipt of dividends from the Bank, which is also subject to numerous limitations on the payment of dividends under federal banking
laws, regulations and policies. See &#147;Supervision and Regulation &#151; Dividends.&#148; We are also subject to certain restrictions on our right to pay dividends to our shareholders in the event we default under the terms of our line of credit.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The present and future dividend policy of the Bank is subject to the discretion of its board of directors. The Bank is not obligated to
pay dividends. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_7"></A>CAPITALIZATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth our capitalization as of December&nbsp;31, 2016 on: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">an actual basis; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a pro forma basis, assuming that the KSOP Repurchase Right Termination occurred as of December&nbsp;31, 2016; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a pro forma as adjusted basis to give effect to the KSOP Repurchase Right Termination; the estimated net proceeds of approximately $48.4 million from the sale of 2,000,000 shares of common stock by us in this offering
(assuming the underwriters do not exercise their option to purchase additional shares of common stock), at an assumed initial public offering price of $27.00 per share, the midpoint of the estimated initial public offering price range set forth on
the cover page of this prospectus, after deducting the underwriting discounts and commissions and estimated offering expenses payable by us; the anticipated use of proceeds to pay in full the outstanding balance on the line of credit we maintain
with our correspondent bank; and the anticipated use of $4.5 million in proceeds to redeem a portion of certain debentures issued by us in July and December 2015. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This table should be read in conjunction with &#147;Use of Proceeds,&#148; &#147;Selected Consolidated Financial Data,&#148;
&#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&#148; and our consolidated financial statements and the related notes included elsewhere in this prospectus. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-size:9pt"><B>As of December&nbsp;31, 2016</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actual&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pro&nbsp;Forma&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Pro&nbsp;Forma&nbsp;As<BR>Adjusted <BR>&nbsp;&nbsp;&nbsp;&nbsp;for&nbsp;Offering&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-size:9pt"><B>(Dollars in thousands)</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B>Indebtedness:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Other debt<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,826</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Commitments and contingent liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B>Shareholders&#146; equity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Preferred stock, par value $5.00 per share, 15,000,000 shares authorized, no shares issued</P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Common stock, par value $1.00 per share, 50,000,000 shares authorized, 9,616,275 issued and
8,751,923 shares outstanding, actual, and 10,751,923 shares issued and outstanding, as adjusted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Additional <FONT STYLE="white-space:nowrap">paid-in</FONT> capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Treasury stock, at cost, 864,352 shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B>Total shareholders&#146; equity, including KSOP-owned shares</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">190,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Less: KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B>Total shareholders&#146; equity, net of KSOP-owned shares</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">190,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B>Total capitalization<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">148,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179,510</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">205,146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR></TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Other debt consists of the outstanding balance on our line of credit with our correspondent bank, which we intend to repay in full with proceeds from the offering. The balance of the line of credit was approximately
$19.9 million as of April 28, 2017. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Includes our subordinated debentures and other debt discussed in Notes 9 and 10 to our consolidated financial statements. Does not include Federal Home Loan Bank advances. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actual&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pro&nbsp;Forma&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Pro&nbsp;Forma&nbsp;As<BR>Adjusted <BR>&nbsp;&nbsp;&nbsp;&nbsp;for&nbsp;Offering&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Capital ratios:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common equity tier 1 capital (CET1) to risk-weighted assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.75%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital to average assets<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.27%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital to risk-weighted
assets<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.03%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.03%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total capital to risk-weighted
assets<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.86%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.86%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total shareholders&#146; equity to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.76%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.76%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.27%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common equity to tangible
assets<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.64%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.64%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">The as adjusted average assets was calculated as the total average assets for the year ending December 31, 2016 plus the estimated net proceeds, after considering repayment of Debt, of this offering. </TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">The as adjusted capital ratios above assume that the proceeds of this offering are invested in 20.0% risk-weighted assets. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">We calculate tangible common equity as total shareholders&#146; equity less goodwill, core deposit intangibles and other intangible assets, net of accumulated amortization, and we calculate tangible assets as total
assets less goodwill and core deposit intangibles and other intangible assets, net of accumulated amortization. Tangible common equity to tangible assets is a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measure, and, as we calculate
tangible common equity to tangible assets, the most directly comparable GAAP financial measure is total shareholders&#146; equity to total assets. See our reconciliation of <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures to their
most directly comparable GAAP financial measures under the caption &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations &#151; <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures.&#148;
</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_8"></A>DILUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If you invest in our common stock, your ownership interest will be diluted to the extent that the initial public offering price per share of
our common stock exceeds the net tangible book value per share of our common stock immediately following the completion of this offering. Net tangible book value is equal to our total shareholders&#146; equity, less intangible assets, divided by the
number of common shares outstanding. As of December&nbsp;31, 2016 and after giving effect to the KSOP Repurchase Right Termination, the net tangible book value of our common stock was $119.9&nbsp;million, or $13.70 per share. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">After giving effect to the KSOP Repurchase Right Termination and our sale of 2,000,000 shares of common stock in this offering (assuming the
underwriters do not exercise their option to purchase additional shares of common stock) at an assumed initial public offering price of $27.00 per share, the midpoint of the price range on the cover of this prospectus, and after deducting estimated
underwriting discounts and commissions and offering expenses payable by us, the pro forma net tangible book value of our common stock as December&nbsp;31, 2016 would have been approximately $168.3 million, or $15.65 per share. Therefore, this
offering will result in an immediate increase of $1.96 in the tangible book value per share of our common stock of existing shareholders and an immediate dilution of $11.35 in the tangible book value per share of our common stock to investors
purchasing shares in this offering, or approximately 42.0% of the public offering price of $27.00 per share. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table
illustrates the calculation of the amount of dilution per share that a purchaser of our common stock in this offering will incur given the assumptions above: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assumed initial public offering price per share of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net tangible book value per common share as of December&nbsp;31, 2016 after giving effect to the
KSOP Repurchase Right Termination</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in net tangible book value per common share attributable to this offering</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">As adjusted net tangible book value per common share after this offering and the KSOP Repurchase
Right Termination</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dilution in net tangible book value per common share to new investors</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>   <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A $1.00 increase (or decrease) in the assumed initial public offering price of $27.00 per share,
which is the midpoint of the estimated initial public offering price range set forth on the cover page of this prospectus, would increase (or decrease) the as adjusted net tangible book value per share after this offering by approximately $0.17, and
dilution in net tangible book value per share to new investors by approximately $0.83, assuming that the number of shares offered by us, as set forth on the cover page of this prospectus, remains the same and after deducting estimated underwriting
discounts and commissions and estimated offering expenses payable by us. If the underwriters exercise in full their option to purchase additional shares of our common stock in this offering, the as adjusted net tangible book value after this
offering would be $15.91 per share, the increase in net tangible book value to existing shareholders would be $2.21 per share and the dilution to new investors would be $11.09 per share, in each case assuming an initial public offering price of
$27.00 per share, which is the midpoint of the estimated initial public offering price range set forth on the cover page of this prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">56 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table summarizes the total consideration paid to us and the average price paid
per share by existing shareholders and investors purchasing common stock in this offering. This information is presented on a pro forma basis as of December&nbsp;31, 2016, after giving effect to our sale of 2,000,000 shares of common stock in this
offering (assuming the underwriters do not exercise their option to purchase additional shares of common stock) at an assumed initial public offering price of $27.00 per share, the midpoint of the estimated initial public offering price range set
forth on the cover page of this prospectus. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Shares&nbsp;Purchased/Issued</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total Consideration</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average&nbsp;Price&nbsp;</B><br><B>per Share</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Number&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Percent&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Percent&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders as of December&nbsp;31,&nbsp;2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,751,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,352,000</TD>
<TD NOWRAP VALIGN="bottom">(1)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">New investors in this offering</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,751,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">165,352,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>    <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Calculated as $9.6&nbsp;million in common stock plus $101.9&nbsp;million in additional paid in capital, which gives effect to a $11.8&nbsp;million special dividend paid to shareholders in 2014 that was deducted from
additional paid in capital. </TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, if the underwriters&#146; option to purchase additional shares is exercised in
full, the number of shares of common stock held by existing shareholders will be further reduced to 79.2% of the total number of shares of common stock to be outstanding upon the completion of this offering, and the number of shares of common stock
held by investors participating in this offering will be further increased to 2,300,000 shares or 20.8% of the total number of shares of common stock to be outstanding upon the completion of this offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The tables above excludes (1) 1,000,000 shares of our common stock reserved for issuance under the Guaranty Bancshares, Inc. 2015 Equity
Incentive Plan, 331,000 of which were subject to outstanding stock options at December 31, 2016 with a weighted average exercise price of $23.76 per share, 80,300 of which are currently vested, and (2) 9,377 shares of our common stock subject to
outstanding stock options issued under the DCB Financial Corp. Stock Option Plan at December 31, 2016 with an exercise price of $11.94 per share, all of which are currently vested, which we assumed in connection with our acquisition of DCB Financial
Corp. in March 2015. To the extent that we issue shares of our common stock upon the exercise of any options, investors participating in this offering will experience further dilution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">57 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_9"></A>PRICE RANGE OF OUR COMMON STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our common stock is not currently traded on an established public trading market. From 1998 to 2005, our common stock was listed on the Nasdaq
Stock Market LLC under the symbol &#147;GNTY.&#148; In 2005, we terminated the registration of our common stock under Section&nbsp;12(g) of the Exchange Act and, consequently, terminated the listing of our common stock on the Nasdaq Stock Market
LLC. Since the delisting of our common stock in 2005, shares of our common stock have been quoted on the OTC Markets under the same symbol, although there has been no material trading volume in our common stock through the OTC Markets. As a result,
since 2005 there has been no regular market for our common stock. Although our shares may have been sporadically traded in private transactions, the prices at which such transactions occurred may not necessarily reflect the price that would be paid
for our common stock in an active market. As of December&nbsp;31, 2016, there were approximately 410 holders of record of our common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We anticipate that this offering and the listing of our common stock on the NASDAQ Global Select Market will result in a more active trading
market for our common stock. However, we cannot assure you that a liquid trading market for our common stock will develop or be sustained after this offering. You may not be able to sell your shares quickly or at the market price if trading in our
common stock is not active. See &#147;Underwriting&#148; for more information regarding our arrangements with the underwriters and the factors considered in setting the initial public offering price. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">58 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_10"></A>BUSINESS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Company </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are a bank holding
company, with headquarters in Mount Pleasant, Texas, and additional executive offices in Dallas and Bryan, Texas. Through our wholly owned subsidiary, Guaranty Bank&nbsp;&amp; Trust, a national banking association, we provide a wide range of
relationship-driven commercial and consumer banking, as well as trust and wealth management, products and services that are tailored to meet the needs of small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses, professionals and
individuals. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From 1998 through 2005, we were traded on the Nasdaq National Market System under the symbol &#147;GNTY.&#148; In 2005, due
primarily to our operating strategy at that time and the associated costs of remaining a publicly-traded company, including certain increasing costs to comply with the provisions of the Sarbanes-Oxley Act of 2002, we deregistered our common stock
under the provisions of the Exchange Act and, consequently, ceased trading on the Nasdaq National Market System. Because of our size in 2005, there was limited trading volume in shares of our common stock. In addition, we were not pursuing any
acquisitions or aggressive growth opportunities at that time, so we did not perceive any incremental benefits in remaining publicly-traded. In 2008, we undertook a Subchapter S election, which would not have been available if we remained a
publicly-traded company. However, we have experienced consistent organic growth and have completed three whole bank acquisitions since going private in 2005, and we terminated our Subchapter S election in 2014. We believe that becoming a
publicly-traded company will facilitate our continued expansion in a manner consistent with our current strategy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31,
2016, we had total assets of $1.8&nbsp;billion, total loans of $1.2&nbsp;billion, total deposits of $1.6&nbsp;billion and total shareholders&#146; equity of $110.3&nbsp;million. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our History and Growth </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Guaranty
Bank&nbsp;&amp; Trust was originally chartered as a Texas state banking association over a century ago in 1913, and converted its charter to a national banking association in 2012. Guaranty was incorporated in 1990 to serve as the holding company
for Guaranty Bank&nbsp;&amp; Trust. Since our founding, we have built a strong reputation based on financial stability and community leadership. In 2013 and 2015, we expanded our markets from East Texas to include Bryan/College Station and the
Dallas/Fort Worth metroplex, respectively. We currently operate 26 banking locations in 18 Texas communities. Our growth has been consistent and primarily organic. We have achieved organic growth by enhancing our lending and deposit relationships
with existing customers and attracting new customers, as well as cross-selling our deposit, mortgage, trust and wealth management and treasury management products. Our expansion strategy has enabled us to access markets with stronger loan demand,
achieve consistent growth, maintain stable operating efficiencies, preserve our historically conservative credit culture, and provide shareholders with stable earnings throughout credit cycles. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have supplemented our organic growth and leveraged our strong deposit base with strategic acquisitions and the establishment of <I>de
novo</I> banking locations. In 2011, we expanded our market share within the Texarkana, Texas area of our East Texas market with the acquisition of all loans and deposits of the Texarkana, Texas banking location of American State Bank. In 2013, we
completed the acquisition of The First State Bank, which was located in Hallsville, Texas. We believe this acquisition provided a stable and established platform to expand within the Longview, Texas area of our East Texas market. We have
historically experienced consistent growth in our East Texas market. As of December&nbsp;31, 2011, we had total loans attributable to the East Texas market of $606.3&nbsp;million and total deposits of $931.8&nbsp;million, which have grown to total
loans of $743.7&nbsp;million and total deposits of $1.2&nbsp;billion as of December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In 2013, we expanded outside of East
Texas when we established a <I>de novo</I> banking location in the growing Bryan/College Station, Texas market. We established two more <I>de novo </I>banking locations in this market in 2014 and 2016 and continue to operate all three banking
locations. Our strong and stable core deposit base has </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">59 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
allowed us to achieve organic loan growth in the Bryan/College Station market, which has increased our interest income. As of December&nbsp;31, 2016, we had total loans of $210.2&nbsp;million and
total deposits of $137.4&nbsp;million attributable to the Bryan/College Station market. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In March 2015, we entered the Dallas/Fort Worth
metroplex market with the acquisition of DCB Financial Corp., or DCB Financial, which owned Preston State Bank, a Texas state-chartered bank headquartered in Dallas, Texas. At the time of our acquisition, DCB Financial operated two locations in
Dallas, Texas, each of which continues to operate as a banking location of Guaranty Bank&nbsp;&amp; Trust. In April 2015, we completed the acquisition of Texas Leadership Bank, a Texas state-chartered bank headquartered in Royse City, Texas, which
is on the eastern side of the Dallas/Fort Worth metroplex. At the time of our acquisition, Texas Leadership Bank operated from a single banking location in Royse City, which we continue to operate. In September 2015, we established a <I>de novo</I>
banking location in Rockwall, Texas, which is located approximately 10 miles west of Royse City and 20 miles east of downtown Dallas. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In
May 2016, we established a <I>de novo</I> banking location in Denton, Texas, which is located approximately 40 miles north of downtown Dallas. In August 2016, we completed the acquisition of a full service Denton banking location from Independent
Bank, in which we assumed certain deposits and acquired all of the fixed assets of the location. We currently operate the former banking location of Independent Bank as a location of Guaranty Bank&nbsp;&amp; Trust. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our acquisitions of DCB Financial, Texas Leadership Bank and the acquired Denton location, as well as the establishment of our <I>de novo</I>
banking locations in Rockwall and Denton, are consistent with our strategy of expanding into the Dallas/Fort Worth metroplex. In total, the aggregate estimated fair values recorded at the time of acquisition in our three Dallas/Fort Worth metroplex
acquisitions were $161.7&nbsp;million in total loans and $164.6&nbsp;million in total deposits. As of December&nbsp;31, 2016, we had grown our total loans attributable to the Dallas/Fort Worth metroplex market to $291.3&nbsp;million and our total
deposits to $213.6&nbsp;million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Following completion of our acquisitions in the Dallas/Fort Worth metroplex in 2015, we established an
executive office in Dallas, which houses our Chief Executive Officer and Chief Financial Officer, as well as our accounting, internal audit, marketing, loan review, treasury management, mortgage warehouse lending and mortgage departments. Mount
Pleasant will continue to serve as the headquarters of Guaranty Bank&nbsp;&amp; Trust and houses our credit operations, deposit services, information technology and human resources departments. We remain committed to successful integration with and
expansion into the Dallas/Fort Worth metroplex and believe that establishing executive offices in Dallas promotes our strategic initiatives to attract quality banking talent and pursue quality loans within a growing metropolitan market, thereby
growing our franchise in the Dallas/Fort Worth metroplex. In addition, we believe that maintaining our deposit services and primary operational departments in Mount Pleasant will allow us to support our continued growth in a cost-efficient manner.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Achievements and Highlights </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our financial and operational achievements and highlights include the following: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Strong Brand and Reputation</I>.&nbsp;&nbsp;During our more than <FONT STYLE="white-space:nowrap">100-year</FONT> operating history, we have forged long-standing relationships with our customers and employees and
have developed deep ties to the East Texas communities that we serve. We are continuously working to solidify our brand and reputation in our newest markets in Dallas/Fort Worth and Bryan/College Station through our strong and active community
involvement. In 2016, we were named #15 on the list of Best Banks to Work For, published by <I>American Banker</I>, a designation awarded to 60 banks throughout the nation. We were also included in the list of 100 Best Companies to Work for in
Texas, published by <I>Texas Monthly</I>, for the eighth consecutive year in 2017. </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I>Successful Execution of Strategic Objectives</I>.&nbsp;&nbsp;The Company&#146;s executive officers and board
of directors established a five year strategic plan in 2012 to achieve meaningful loan growth while maintaining our disciplined underwriting principles and remaining conservative in our
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="15%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">
securities portfolio. In furtherance of these objectives, the strategic plan included identifying high growth and complementary markets to the Company&#146;s East Texas footprint to establish
<I>de novo </I>locations consistent with an organic growth focus while simultaneously pursuing strategic acquisitions when culture, personnel and geography were favorable. The Company has grown its total assets from $1.1&nbsp;billion as of
December&nbsp;31, 2011 to $1.8&nbsp;billion as of December&nbsp;31, 2016, an increase of 63.6%. During that same time period, we added 12 banking locations, of which six were <I>de novo</I> locations and six were added through strategic
acquisitions. While the costs of pursuing this aggressive five year strategic plan limited shareholder returns during this time period, the board of directors supported this approach because of its long-term scalability and potential to increase
shareholder value. To date, the Company has experienced smooth integrations of all of its new banking locations and established what the Company believes is a strong foundation for a highly successful and profitable business with continued growth
and strong future shareholder returns. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Leadership in Primary Markets</I>.&nbsp;&nbsp;We have a significant East Texas franchise, as demonstrated by our deposit market share in our primary markets. According to data compiled by the Federal Deposit
Insurance Corporation, or FDIC, our deposit market share in the East Texas counties of Titus, Bowie and Lamar was approximately 52.3%, 18.0% and 19.7%, respectively, as of June&nbsp;30, 2016, the most recent date for which market share data is
available. These three counties represented approximately 52.6% of our total deposits at that date. We more than doubled our market share of deposits in Brazos County (Bryan/College Station market) from June&nbsp;30, 2015 to June&nbsp;30, 2016, with
growth in total deposits in that market from $57.7&nbsp;million to $136.4&nbsp;million, which represented approximately 9.1% of our total deposits as of that date. In our Dallas/Fort Worth metroplex market, we grew the $159.9&nbsp;million in
deposits we acquired in March and April of 2015 to $177.0&nbsp;million as of June&nbsp;30, 2016, an increase of 10.6%. As of June&nbsp;30, 2016, we maintained a top three deposit market share ranking in seven of the 15 Texas counties in which we
operate banking locations and a top 10 ranking in 12 of the 15 Texas counties in which we operate banking locations. </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Consistent Growth and Stable Performance</I>.&nbsp;&nbsp;During each of the last five years, we have achieved no less than a 9.5% compound annual growth rate for each of total assets, total deposits and total loans.
We maintained our profitability during the recent economic recession, which generally adversely impacted the banking and financial services industries and, most recently, attained an 8.3% return on average equity for the year ended December&nbsp;31,
2016. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Disciplined Credit Culture</I>.&nbsp;&nbsp;Our <FONT STYLE="white-space:nowrap">in-depth</FONT> knowledge of our markets, stringent credit approval processes and disciplined balance sheet growth strategies have
allowed us to maintain sound asset quality while achieving meaningful loan growth. Our average annualized net charge-offs as a percentage of average loans was 0.12% over the past ten years and was 0.12% for the year ending December&nbsp;31, 2016.
Our average <FONT STYLE="white-space:nowrap">non-performing</FONT> assets as a percentage of total assets was 0.64% over the past ten years and was 0.36% for the year ended December&nbsp;31, 2016. We maintain a long-term focus on our financial
performance by continually managing risk on our balance sheet with the intent of producing consistent results. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Investment in Technology</I>.&nbsp;&nbsp;We also maintain a long-term focus on our franchise and have made significant investments in our information technology infrastructure, personnel and our digital banking
products and services. We believe that these investments have enabled us to more effectively compete with larger institutions while retaining our ability to offer customized, relationship-based services to our customers, and to more easily
accommodate future growth and expansion into new markets. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">61 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Growth and Expansion Strategy </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our strategic plan is to be a leading Texas bank holding company with a commitment to operate as a community bank as we continue to execute
our expansion strategy. Our expansion strategy is to generate shareholder value through the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Maintain Focus on Organic Growth.</I><I></I>&nbsp;&nbsp;Focusing on organic growth is a strategy that allows us to generate stable funding sources without the <FONT STYLE="white-space:nowrap">non-amortizing</FONT>
goodwill assets and core deposit intangibles that strategic acquisitions might add to our balance sheet. By design during the past several years, we have offered money market and demand deposit interest rates slightly higher than our peers,
especially in our newer markets, to encourage the growth of these core deposits and set the foundation for strong customer relationships. We believe that these core deposits will become significantly more valuable and desirable because the ability
to attract core deposits at a low cost will diminish as interest rates increase and alternative funding sources become more expensive. Much of our organic growth in 2015 and 2016 was attributable to our newer markets of Bryan/College Station and the
Dallas/Fort Worth metroplex, which we believe provide significant additional opportunities for organic growth in future years. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">We have a history of being a leading provider of financial services to small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT>
businesses (generally with annual revenues of $50.0&nbsp;million or less), professionals and individuals in our traditional East Texas market. In addition, we believe that our significant core deposit franchise in East Texas provides a stable
funding source for meaningful loan growth in existing and new markets. Across all of our markets, we believe that customers value the relationship-driven, quality service we provide, as well as our deep, long-term understanding of their local
communities. Primarily as a result of bank consolidation in our markets, we believe that there are few banking institutions in these markets that have the size or focus to provide comparable levels of service. We also believe that these
consolidation trends with respect to our competitors, particularly in the Dallas/Fort Worth metroplex, present opportunities to acquire new customers and valuable employees from these institutions. The charts below illustrate our successful
commitment to organic loan and deposit growth across our markets, while taking advantage of strategic acquisition opportunities that arise from time to time. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g814489g13s67.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g814489g66k80.jpg" ALT="LOGO">
</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">62 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Pursue Strategic Acquisitions.</I><I></I>&nbsp;&nbsp;We intend to continue to grow through strategic acquisitions within our current markets and in other complementary markets, and we believe having publicly-traded
common stock will improve our ability to compete for acquisitions. We seek acquisitions that provide meaningful financial benefits through long-term organic growth opportunities and expense reductions, while maintaining our current risk profile.
Though we do not currently have any specific or immediate acquisition plans, in order to achieve these goals, we seek acquisition opportunities involving talented bankers and banking teams that can execute our business model and contribute to our
growth objectives. Additionally, we seek banking markets with favorable competitive dynamics and potential consolidation opportunities. We believe that many smaller financial institutions will consider us an ideal long-term partner due to our
community banking philosophy, commitment to employee stock ownership and our culture of teamwork. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Establish De Novo Banking Locations.</I>&nbsp;&nbsp;We intend to open <I>de novo</I> banking locations in our existing and other attractive markets in Texas to further diversify our banking location network. In
September 2015 and May 2016, we opened <I>de novo</I> banking locations in Rockwall and Denton, respectively, which are both located in the Dallas/Fort Worth metroplex. Total loans and deposits at the two new locations were $34.1&nbsp;million and
$27.1&nbsp;million, respectively, as of December&nbsp;31, 2016. We also opened <I>de novo</I> banking locations in Bryan/College Station, Texas in June 2013, April 2014 and June 2016. As of December&nbsp;31, 2016, total loans and deposits in our
three Bryan/College Station locations were $210.2&nbsp;million and $137.4&nbsp;million, respectively. The total loans attributable to the Bryan/College Station and Dallas/Fort Worth metroplex markets comprised approximately 16.8% and 23.3%,
respectively, of our total loans as of December&nbsp;31, 2016. We believe these markets have the ability to flourish through varying economic conditions. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">We believe that the Dallas/Fort Worth metroplex and surrounding communities are complementary to our established presence in East Texas. Our
lending focus in the Bryan/College Station and Dallas/Fort Worth metroplex markets has been primarily on commercial real estate and other real estate loans, which provides diversity within our loan portfolio and complements our traditional small
business and retail lending activities in our East Texas market. While we do not currently have specific plans to open <I>de novo</I> branches, our Bryan/College Station presence provides us with a platform to grow and ready access to other nearby
larger markets, including Austin, San Antonio and Houston. Prior to entering a new market, we identify and build a team of experienced, successful bankers with market-specific knowledge to lead the Bank&#146;s operations in that market, including a
local president. As we enter new markets, we also seek to establish a reputation for providing personal and dependable service and active community involvement, which we believe facilitates lasting relationships and continued growth. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Expand Revenue Sources.</I>&nbsp;&nbsp;We seek to provide additional services to our customers in order to augment and diversify our revenue sources. For the year ended December&nbsp;31, 2016, noninterest income
represented approximately $13.0&nbsp;million, or 19.5%, of our total revenue of $66.9&nbsp;million (defined as net interest income plus noninterest income). </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">In 2015, we established a warehouse mortgage lending division in connection with our acquisition of DCB Financial and hired experienced
personnel in 2015 to grow this new line of business. Revenues for the warehouse division are derived primarily from loan origination fees, interest on advances and transaction fees, and the division has experienced significant growth since it was
established. Total mortgage amounts funded through warehouse lines of credit during the year ending December&nbsp;31, 2015 were $332.3&nbsp;million, which produced noninterest income of $154,900. Total mortgage amounts funded through warehouse lines
of credit during the year ending December&nbsp;31, 2016 were $978.1&nbsp;million, which produced noninterest income of $425,200. Despite the significant growth, there have been no mortgage repurchases or losses
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">63 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">
experienced with our warehouse lending borrowers since inception of the division. In addition, Guaranty Bank&nbsp;&amp; Trust is working to expand into eWarehouse lending, which allows a mortgage
loan to close, fund and sell to the end investor entirely electronically, and we expect to produce our first eWarehouse line of credit in the second quarter of 2017. As of the date of this prospectus, only five financial institutions in the nation
are included in the list of warehouse lenders currently funding eNotes that is maintained by the Federal National Mortgage Association, or Fannie Mae. As such, we expect to be one of very few banks offering eWarehouse lending and anticipate growth
in our warehouse lending division as mortgage originators, consumers and investors increasingly transition to paperless mortgages, driving demand for eWarehouse lines of credit. We believe that our mortgage warehouse division offers significant
potential for future revenue. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">Consistent with our focus on cross-selling services to our customers, we offer trust and wealth
management services through our wealth management group and mortgage services through our mortgage department, both of which operate as divisions of Guaranty Bank&nbsp;&amp; Trust. As of December&nbsp;31, 2016, our wealth management group had total
assets under management of $265.7&nbsp;million. During the year ended December&nbsp;31, 2016, our mortgage department originated $62.6&nbsp;million in mortgage loans. Both divisions are well established and have significant growth potential in our
newer Dallas/Fort Worth metroplex and Bryan/College Station markets, each of which has a higher volume of home sales and a larger concentration of high net worth individuals as compared to our traditional East Texas market. Our mortgage origination
strategy is to increase market share without sacrificing our standards and regardless of fluctuations in interest rates or volume. We have developed a scalable platform for mortgage originations within our mortgage department and believe that we
have significant opportunities to grow this segment of our business. In an effort to further grow our wealth management and mortgage divisions in Bryan/College Station and the Dallas/Fort Worth metroplex, we intend to enhance our business
development and cross-selling efforts in those markets. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Although we are devoting substantial resources in furtherance of our
expansion strategy, there are no assurances that we will be able to further implement our expansion strategy or that any of the components of our expansion strategy will be successful. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Community Banking Philosophy and Culture </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We focus on a community-based relationship model, as opposed to a line of business model, because we believe the community-based relationship
model promotes an entrepreneurial attitude within our Company while providing personal attention and solutions tailored to our customers. Our culture is one of employee ownership and it is something we take very seriously. In 2016, we formally
documented our culture in a book called &#147;The Guaranty Culture,&#148; which we give to all prospective new hires and directors before they join our team so that they clearly understand who we are, how we work, what we believe, how we make
decisions and what we admire in people. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe a great bank requires the right amount of two forms of capital: financial and human.
We understand that our ability to successfully deploy our financial capital is directly related to our ability to bring the right talents together to lead our teams. This focus on human capital has rewarded us with a cohesive group of directors,
officers and employees that we believe is our greatest asset. We have invested in a robust management training program designed to develop comprehensive bankers who understand all aspects of our operations and embrace our core values. The training
program generally lasts <FONT STYLE="white-space:nowrap">18-24</FONT> months and includes rotations through each primary department of the Bank. Successful graduates of our training program are typically promoted to a managerial position upon
completion and we currently have graduates in management, lending and operational roles. Several of the Bank&#146;s market presidents and managers are graduates of our training program. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">64 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have developed a network of banking locations strategically positioned in separate and
distinct communities. Each community where we have a banking location is overseen by a local market president or manager, and we emphasize local decision-making by experienced bankers supported by centralized risk and credit oversight. We believe
that employing local decision makers, supported by industry-leading technology and centralized operational and credit administration support from our corporate headquarters, allows us to serve our customers&#146; individual needs while managing risk
on a uniform basis. We intend to repeat this scalable model in each market in which we are able to identify high-caliber bankers with a strong banking team. We empower these bankers to implement our operating strategy, grow our customer base and
provide the highest level of customer service possible. We believe our organizational approach enables us to attract and retain talented bankers and banking teams who desire the combination of the Bank&#146;s size and loan limits, dedication to
culture, commitment to our communities, local decision-making authority, compensation structure and focus on relationship banking. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Competitive
Strengths </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe the following competitive strengths support our growth and expansion strategy: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Experienced Executive Management Team</I>.&nbsp;&nbsp;The Bank has a seasoned and experienced executive management team with a combined 277 years of experience in financial services businesses between its nine
members. Our executive management team has successfully managed profitable organic growth, executed acquisitions, developed a strong credit culture and implemented a relationship-based approach to commercial and consumer banking. In addition, our
executive management team has extensive knowledge of the bank regulatory landscape, significant experience navigating interest rate and credit cycles and a history of working together. The nine members of the Bank&#146;s executive management team
have worked for the Bank for a combined 130 years. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Employee Ownership Mentality.</I>&nbsp;&nbsp;As of December&nbsp;31, 2016, our directors, officers and employees, as a group, beneficially owned approximately 37.8% of our outstanding shares of common stock
(including 15.1% of our outstanding shares which are owned by our KSOP). Many of our employees&#146; interests in the KSOP represent material portions of their net worth, particularly our long-tenured employees. We believe that the KSOP&#146;s
material ownership position promotes an owner-operator mentality among our employees, from senior officers to entry-level employees, which we believe enhances our employees&#146; dedication to our organization and the execution of our strategy. In
addition, we believe the KSOP enhances our ability to attract and retain quality employees. In 2017, we were included in the list of 100 Best Companies to Work for in Texas, published by <I>Texas Monthly</I>, for the eighth consecutive year, and in
2016 we were named #15 on the list of Best Banks to Work For, published by <I>American Banker</I>, with both awards having been determined on the basis of anonymous employee surveys. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Proven Successful Execution of Growth Strategies.&nbsp;&nbsp;</I>We have developed a strategic growth plan that allows the Company to quickly identify and efficiently execute corporate transactions that we believe
enhance our geographic footprint and enterprise value. Since 2011, we have successfully integrated six acquired locations into our Company through what we believe is an effective combination of comprehensive integration planning, extensive
management experience with expansion, and a welcoming and flexible culture of employee ownership. In that same time period, we also established six de novo locations outside of our historical East Texas market, achieving our objectives for organic
growth within our anticipated time periods and successfully integrating new local management teams and employees into our Company. Accordingly, we have a proven track record of executing value-added acquisitions and achieving consistent, meaningful
organic growth. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">65 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Scalable Platform.</I>&nbsp;&nbsp;Utilizing the significant prior experience of our management team and employees, we believe that we have built a strong and scalable operational platform, including technology and
banking processes and infrastructure, capable of supporting future organic growth and acquisitions when the right opportunities arise. We maintain operational systems and staffing that we believe are stronger than necessarily required for a
financial institution of our size in order to successfully execute integrations when needed and accommodate future growth without a commensurate need for expansion of our back office capabilities. We believe our platform allows us to focus on
growing the revenue-generating divisions of our business while maintaining our operational efficiencies, resulting in improved profitability. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Disciplined Credit Culture and Robust Risk Management Systems.</I>&nbsp;&nbsp;We seek to prudently mitigate and manage our risks through a disciplined, enterprise-wide approach to risk management, particularly
credit, compliance, operational and interest rate risk. All of the Bank&#146;s executive officers serve on the Bank&#146;s Enterprise Risk Management Committee. We endeavor to maintain asset quality through an emphasis on local market knowledge,
long-term customer relationships, consistent and thorough underwriting for all loans and a conservative credit culture. We have not traditionally engaged in significant oil and gas related lending, with only 0.36% of our total loan portfolio, or
$4.5&nbsp;million, consisting of oil and gas related loans as of December&nbsp;31, 2016. Due to our conservative credit culture, our highest annual rate of net loan charge-offs as a percentage of average loans over the past ten years was 0.17%
(compared to an average of 0.57% for all banks between $1.0&nbsp;billion and $3.0&nbsp;billion in assets located in the Dallas/Fort Worth metroplex, East Texas or Central Texas regions, which we refer to as our regional peer group, and compared to
an average of 1.01% for all banks of the same size nationally, which we refer to as our national peer group), and our average annual rate of nonperforming assets as a percentage of total assets over the same period never exceeded 0.99% (compared to
our regional peer group average highest annual rate of 2.24% and our national peer group average highest annual rate of 3.05%). As illustrated in the chart below, the Bank significantly outperformed our regional and national peer groups during the
last financial crisis period (2008 &#150; 2011) with respect to net loan charge-offs as a percentage of average loans. </TD></TR></TABLE> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g09h21.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">66 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Brand Strength and Reputation.</I>&nbsp;&nbsp;We believe our brand recognition, including the Guaranty name and our iconic &#147;G&#148; logo, which is prominently displayed in all of our advertising and marketing
materials and has been trademarked to preserve its integrity, is an important element of our business model and a key driver of our future growth. We have developed our brand primarily through strategic marketing and advertising initiatives and
through our involvement and visibility within the communities we serve. We believe our reputation for providing personal and dependable service and active community involvement is well established in our traditional East Texas market, and we are
continuously striving to replicate that brand awareness and reputation in our newer markets of Bryan/College Station and the Dallas/Fort Worth metroplex through a high level of community involvement and the targeted hiring of employees with strong
relationships and reputations within these markets. We believe the strength of our brand and our reputation enable us to attract customers who value our customer service mission and banking teams that value our market management model and
entrepreneurial culture. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Diversified Markets.&nbsp;&nbsp;</I>We operate in diverse markets that we believe are stable and growing. We have designated East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex as our primary
markets; however, our longer-term strategy is to expand our markets to include other major metropolitan areas of Texas. The differing characteristics of our various markets have allowed us to grow a balanced and diverse loan portfolio, without any
significant customer or lending segment concentrations. In addition, we have historically managed our commercial real estate concentration ratios at or below current regulatory guidelines. The graph below shows our loan portfolio composition for
each of our three markets. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>  <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g26n12.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">67 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Stable Core Deposit Base</I>.&nbsp;&nbsp;We believe our traditional East Texas market provides a historically stable source of core deposits and will become a greater source of funding as interest rates increase and
core deposits become more difficult and more expensive to attract, especially in more competitive markets. As we enter new markets, we believe that our stable core deposit base enhances our ability to pursue loans in large, high growth markets and
to fund other new revenue sources such as our warehouse lending division. As of December&nbsp;31, 2016, our <FONT STYLE="white-space:nowrap">non-interest</FONT> bearing deposits were 22.75% of our total deposits. Among our interest-bearing deposits,
72.0% were in less volatile NOW, savings and money market accounts. </TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:15%; font-size:10pt; font-family:Times New Roman">Our cost of interest-bearing deposits has
decreased from 0.85% for the year ended December&nbsp;31, 2012 to an annual average of 0.64% for the four years ended December&nbsp;31, 2016. We have historically paid slightly higher rates on interest-bearing deposits than our peers in an effort to
attract and maintain core deposits, especially in low interest rate environments like the current one. In furtherance of this strategy, our overall cost of funds increased slightly compared to our peers during the years ended December&nbsp;31, 2014,
2015 and 2016 as we intentionally offered slightly higher rates on deposits in our Bryan/College Station and Dallas/Fort Worth metroplex markets in an effort to attract depositors to our <I>de novo </I>banking locations and solidify new customer
relationships in those markets. While we have successfully completed strategic acquisitions in the past and will continue to thoughtfully consider acquisition opportunities, we believe the costs of growing our core deposits organically in this
manner are often less than the costs of the goodwill and core deposit intangibles that typically accompany strategic acquisitions and that the customer relationships we build are deeper and longer-lasting. We also have not historically relied on
brokered deposits. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Technology and Online Banking Leadership.</I>&nbsp;&nbsp;We believe that financial institutions are increasingly becoming technology companies, and we invest in technology that we believe should enhance our business
and customer experience, as well as enable us to integrate and oversee our banking location network while operating in geographically disparate markets. To implement our commitment to technology, we have developed our technology team to include
specialists in virtualization, storage area networks, and information security. The investment we have made in a new core processing system has created a scalable corporate infrastructure that has significantly expanded our ability to handle
continued growth and improve our levels of operational efficiency. We have continued to enhance our online presence through improvements to our digital banking platforms. We have also invested in our business intelligence and data analytics
platforms, which allow us to make better decisions through observed trends and behaviors identified across multiple information systems. Finally, we have developed internal expertise in business platform application development that has improved our
ability to create dynamic and customized applications to meet our evolving needs for processing and reporting across all areas of our organization. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Markets </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We consider our current
market areas to be East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex. We serve these communities from our headquarters in Mount Pleasant, Texas and through a network of 17 banking locations within East Texas, three banking
locations in Bryan/College Station and six banking locations in the Dallas/Fort Worth metroplex. As part of our strategic plan, we intend to further diversify our markets through entry into other large metropolitan markets in Texas. In addition to
our recent expansions into Bryan/College Station and the Dallas/Fort Worth metroplex, we believe there are several markets in the Central Texas region that are attractive for future expansion, particularly due to those markets&#146; proximity to our
Dallas/Fort Worth metroplex and Bryan/College Station markets. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">68 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have a significant East Texas franchise as demonstrated by our deposit market share in the
East Texas counties in which we operate. According to data compiled by the FDIC, our deposit market share in the East Texas counties of Titus, Bowie and Lamar was approximately 52.3%, 18.0% and 19.7%, respectively, as of June&nbsp;30, 2016. These
three counties represent approximately 52.6% of our total deposits. As of June&nbsp;30, 2016, we were one of the three largest banks by deposit share in seven of the 15 Texas counties in which we operate banking locations and one of the ten largest
banks by market share in 12 of the 15 Texas counties in which we operate banking locations. We more than doubled our market share of deposits in Brazos County (Bryan and College Station locations) from June&nbsp;30, 2015 to June&nbsp;30, 2016, which
represented approximately 9.1% of our total deposits as of that date and positioned us as one of the 10 largest banks by deposit share in the county entirely through organic growth only three years after first entering the market. The table below
shows data for each of the counties and markets in which we have banking locations regarding total deposits, deposit market share, and compound average growth rates for deposits since June&nbsp;30, 2011. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:59.15pt; font-size:10pt; font-family:Times New Roman"><B>Texas&nbsp;County</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Total&nbsp;Deposits&nbsp;($000)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Deposit&nbsp;</B><br><B>Share<BR>Rank</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;#&nbsp;of&nbsp;Banking&nbsp;&nbsp;<BR>Locations</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Deposit&nbsp;Market&nbsp;&nbsp;&nbsp;<BR>Share (%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Five&nbsp;Year&nbsp;Deposit&nbsp;&nbsp;&nbsp;<BR>CAGR (%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:43.65pt; font-size:10pt; font-family:Times New Roman"><B></B><I>East Texas</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Titus</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">338,570&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bowie</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258,935&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.0&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lamar</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">190,753&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hopkins</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,212&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Camp</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,080&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gregg</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,472&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hunt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,699&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Red&nbsp;River</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,010&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harrison</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,920&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Franklin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,440&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.8&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.9&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cass</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:118.55pt; font-size:10pt; font-family:Times New Roman"><B></B><I>Dallas/Fort Worth Metroplex</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dallas</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104,878&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rockwall</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,018&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Denton</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,056&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="21"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="20" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:89.30pt; font-size:10pt; font-family:Times New Roman"><B></B><I>Bryan/College Station</I><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Brazos</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">136,445&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,498,616&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>26&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>10.7&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:47%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">* Data as of
June&nbsp;30, 2016; Source: FDIC. As of December&nbsp;31, 2016, we operated three banking locations in Brazos County and one in Gregg County. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">69 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our traditional East Texas market is a stable region comprised primarily of smaller communities
served by forestry, oil and gas, manufacturing, government, education and healthcare related industries. According to the Texas Comptroller of Public Accounts, job growth in East Texas for the period between 2004 and 2014 was 9.8%, compared to 5.5%
nationally during the same period. Major employers in our East Texas market include Kimberly-Clark, Campbell Soup, Pilgrim&#146;s Pride, Priefert Manufacturing, Luminant Electric Generation and Mining, Big Tex Trailer Manufacturing, Walmart, Eastman
Chemical, Red River Army Depot&nbsp;&amp; Tenants, Cooper Tire&nbsp;&amp; Rubber, International Paper and several regional and county hospitals, government agencies and independent school districts. The table below includes some basic information on
each of the East Texas counties in which we operate: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:59.15pt; font-size:10pt; font-family:Times New Roman"><B>Texas County</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Population<BR>&nbsp;(2015&nbsp;estimate)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Population&nbsp;Growth<BR>&nbsp;since&nbsp;2010&nbsp;(estimated)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Median&nbsp;Household<BR>&nbsp;Income&nbsp;(2015&nbsp;estimate)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bowie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,389&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.9%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;42,670&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Camp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,682&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.3%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,851&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cass</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,313&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.5)%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,352&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Franklin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,651&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.4%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41,537&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gregg</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,108&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.9%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">47,639&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harrison</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,746&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,974&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hopkins</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,223&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,936&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hunt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,844&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,197&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lamar</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,440&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.7)%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40,748&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Red River</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,455&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.2)%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,563&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Titus</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,623&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.9%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,178&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:47%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">* Data
as of July&nbsp;1, 2015; Source: US Census Bureau. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our East Texas market has a relatively low cost of living and a workforce with lower
wage requirements as compared to more urban areas of Texas. According to the Texas Workforce Commission, the mean annual wages for all occupations in the North East Texas Workforce Development Area (which includes thirteen of our <FONT
STYLE="white-space:nowrap">twenty-six</FONT> locations, including our headquarters, and almost <FONT STYLE="white-space:nowrap">two-thirds</FONT> of our deposits) for the second quarter of 2016 was $37,076, compared to $52,000 in Texas and $51,428
nationally. According to the Texas Comptroller of Public Accounts, the East Texas region supports a stable workforce and continues to serve as a key supplier of resources vital to the Texas economy. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our decision to expand into Bryan/College Station and the Dallas/Fort Worth metroplex was driven by their proximity to our traditional East
Texas market, strong economic and demographic growth in those markets, and our ability to attract talented bankers and employees to facilitate our expansion in those markets. According to US Census Bureau estimates, as of July 2015, the Dallas/Fort
Worth metroplex was the fourth most populous metro area in the United States, with a population of over 7.1&nbsp;million. The Dallas/Fort Worth metroplex has a low unemployment rate relative to the national rate (3.7% compared to 4.5% in 2016) and
high annual job growth relative to the national rate (2.7% compared to 1.5% in 2016), according to the US Bureau of Labor Statistics, with the 92,300 new jobs added in 2016 accounting for almost half of the 188,000 jobs added in the state of Texas.
The Dallas/Fort Worth metroplex is the second fastest growing metro area in the United States in absolute terms, behind only Houston, adding almost 400 new residents per day between 2014 and 2015, according to the US Census Bureau. The market is
well-diversified, without being overly reliant on any particular sector, and is the headquarters for 20 Fortune 500 and 39 Fortune 1000 companies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The adjoining towns of Bryan and College Station are well-situated between Austin, Houston, and Dallas, three of the four largest metro areas
in Texas and two of the five largest in the nation, and within 170 miles of San Antonio, the third-largest metro area in Texas. Bryan/College Station had an estimated combined population of approximately 190,000 in 2015, an increase of almost 20,000
people since 2010, according to the US Census Bureau. College Station is home to Texas A&amp;M University, the largest institution of higher learning in the state, which helps explain the market&#146;s relatively young (in 2010, the US Census Bureau
found 73.7% of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">70 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
residents were between ages 18 and 64, compared to 62.4% in Texas and 63.0% nationally) and well-educated (in 2015, the US Census Bureau estimated 42.6% of residents over age 25 had a
bachelor&#146;s degree or higher, compared to 27.6% in Texas and 29.8% nationally) population. According to the US Bureau of Labor Statistics, Bryan/College Station&#146;s unemployment rate in December 2016 was 3.4%, compared to 4.6% in Texas and
4.7% nationally. The local governments of Bryan and College Station have <FONT STYLE="white-space:nowrap">pro-business</FONT> attitudes and policies, as evidenced by their recent partnering with each other and Texas A&amp;M University to create a
business district known as Atlas to attract companies engaged in the manufacture of biologics, pharmaceuticals, nutraceuticals and medical devices, with the project just breaking ground in January of this year. In 2013, Cognizant, a Fortune 500
technology company, relocated from New Jersey to College Station, citing the <FONT STYLE="white-space:nowrap">pro-business</FONT> environment in College Station and Texas generally and the availability of a young and educated workforce. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Lending Activities </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Overview.&nbsp;&nbsp;</I>We offer a variety of loans, including commercial lines of credit, working capital loans, commercial real
estate-backed loans (including loans secured by owner occupied commercial properties), term loans, equipment financing, acquisition, expansion and development loans, borrowing base loans, real estate construction loans, homebuilder loans, letters of
credit and other loan products to small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses, real estate developers, mortgage lenders, manufacturing and industrial companies and other businesses. We also offer various consumer loans
to individuals and professionals including residential real estate loans, home equity loans, installment loans, unsecured and secured personal lines of credit, and standby letters of credit. Lending activities originate from the efforts of our
bankers, with an emphasis on lending to individuals, professionals, small- to <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses and commercial companies located in our market areas. Although all lending involves a degree of risk, we
believe that commercial business loans and commercial real estate loans present greater risks than other types of loans in our portfolio. We work to mitigate these risks through conservative underwriting policies and consistent monitoring of credit
quality indicators. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents the composition of our loan portfolio, by category, as of December&nbsp;31, 2016. At
that time, we had outstanding an aggregate of commercial loans and commercial real estate loans of approximately $591.7&nbsp;million, or 47.5% of our total loan portfolio. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="19%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="19%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Loan Type</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage&nbsp;of&nbsp;Total&nbsp;Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;&nbsp;17.98%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">10.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">29.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;5.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">29.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;2.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">948,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">76.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;4.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;1.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;0.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">71 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents the composition of our loan portfolio among our three markets of
East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex as of December&nbsp;31, 2016. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>East Texas</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Bryan&nbsp;/&nbsp;College&nbsp;Station</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>DFW Metroplex</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:46.35pt; font-size:10pt; font-family:Times New Roman"><B>Loan Type</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;of<BR>Market<BR>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;of<BR>Market<BR>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;of<BR>Market<BR>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;127,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.2%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;12,298</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.9%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;83,968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.8%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,407</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,351</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">276,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,428</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,174</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,916</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,189</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">549,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195,727</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,953</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,842</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,042</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">743,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">210,150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">291,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I><FONT STYLE="white-space:nowrap">Non-Real</FONT> Estate Commercial and Commercial and Industrial
Loans</I>.&nbsp;&nbsp;We make general commercial loans, including commercial lines of credit, working capital loans, term loans, equipment financing, asset acquisition, expansion and development loans, borrowing base loans, letters of credit and
other loan products, primarily in our target markets that are underwritten on the basis of the borrower&#146;s ability to service the debt from income. We typically take as collateral a lien on general business assets including, among other things,
available real estate, accounts receivable, promissory notes, inventory and equipment and generally obtain a personal guaranty of the borrower or principal. Our commercial loans generally have variable interest rates and terms that typically range
from one to five years depending on factors such as the type and size of the loan, the financial strength of the borrower/guarantor and the age, type and value of the collateral. Fixed rate commercial loan maturities are generally short-term, with
one to five year maturities, or include periodic interest rate resets. Our underwriting policy does allow for exceptions in which the term and amortization of a commercial and industrial loan may be longer than five years, however, the term and
amortization must be consistent with the useful life and depreciation rates of the underlying collateral and an underwriting exception will be noted. In general, commercial loans may involve increased credit risk and, therefore, typically yield a
higher return than commercial real estate loans. The increased risk in commercial loans derives from the expectation that such loans generally are serviced principally from the operations of the business, and those operations may not be successful.
Any interruption or discontinuance of operating cash flows from the business, which may be influenced by events not under the control of the borrower such as economic events and changes in governmental regulations, could materially affect the
ability of the borrower to repay the loan. In addition, the collateral securing commercial loans generally includes moveable property such as equipment and inventory, which may decline in value more rapidly than we anticipated, exposing us to
increased credit risk. As a result of these additional complexities, variables and risks, commercial loans require extensive underwriting and servicing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Construction and Development Loans.</I>&nbsp;&nbsp;Our construction portfolio includes loans to small- and
<FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses to construct owner-user properties, loans to developers of commercial real estate investment properties and residential developments and, to a lesser extent, loans to individual clients
for construction of single family homes in our market areas. Construction and development loans are generally made with a term of one to two years with interest paid monthly. Our underwriting policy does allow for exceptions in which the term of a
construction and development loan may be longer than two years, however, the term must be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">72 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
realistic and consistent with the borrower&#146;s documented ability to repay. The ratio of the loan principal to the value of the collateral, as established by independent appraisal, typically
will not exceed regulatory supervisory guidelines. Loan proceeds are disbursed based on the percentage of completion and only after the project has been inspected by an experienced construction lender or third-party inspector. Risks associated with
construction loans include fluctuations in the value of real estate, project completion risk and change in market trends. We are also exposed to risk based on the ability of the construction loan borrower to finance the loan or sell the property
upon completion of the project, which may be affected by changes in secondary market terms and criteria for permanent financing since the time that we funded the construction loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Commercial Real Estate Loans.</I>&nbsp;&nbsp;We offer real estate loans for commercial property that is owner occupied as well as
commercial property owned by real estate investors. Commercial loans that are secured by owner occupied commercial real estate and primarily collateralized by operating cash flows are also included in this category of loan. Commercial real estate
loan terms are generally five years or less and amortization is generally limited to 20 years or less, although payments may be structured on a longer amortization basis in unusual cases. The interest rates on our commercial real estate loans may be
fixed or adjustable, although rates typically are not fixed for a period exceeding five years. We generally charge an origination fee for our services. We typically require personal guarantees from the principal owners of the business supported by a
review of the principal owners&#146; personal financial statements and global debt service obligations. Risks associated with commercial real estate loans include fluctuations in the value of real estate, the overall strength of the economy, new job
creation trends, tenant vacancy rates, environmental contamination and the quality of the borrower&#146;s management. We make efforts to limit our risk by analyzing borrowers&#146; cash flow and collateral value. The real estate securing our
existing commercial real estate loans includes a wide variety of property types, such as owner occupied offices/warehouses/production facilities, office buildings, hotels, <FONT STYLE="white-space:nowrap">mixed-use</FONT> residential/commercial,
retail centers and multifamily properties. Our commercial real estate loan portfolio presents a higher risk profile than our consumer real estate and consumer loan portfolios. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Residential Real Estate Loans.</I>&nbsp;&nbsp;We offer first and second lien <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">one-to-four</FONT></FONT> family mortgage loans, as well as home equity lines of credit, in each case primarily on owner occupied primary residences. Our retail consumer real estate lending products are offered primarily
to consumer customers within our geographic markets. We also originate for resale <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-to-four</FONT></FONT> family mortgage loans, and those loans are included as a part of our
consumer real estate loan portfolio until sold to investors. However, as of December&nbsp;31, 2016, we held only $2.6&nbsp;million in mortgages for resale. Although our consumer real estate loan portfolio presents lower levels of risk than our
commercial, commercial real estate and construction loan portfolios, we are exposed to risk based on fluctuations in the value of the real estate collateral securing the loan, as well as changes in the borrower&#146;s financial condition, which
could be affected by numerous factors, including divorce, job loss, illness or other personal hardship. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Consumer
Loans.</I>&nbsp;&nbsp;While our focus is on service to small- and <FONT STYLE="white-space:nowrap">medium-sized</FONT> businesses, we also make a variety of loans to individuals for personal, family and household purposes, including secured and
unsecured installment and term loans. We offer consumer loans as an accommodation to our existing customers and do not market consumer loans to persons who do not have a <FONT STYLE="white-space:nowrap">pre-existing</FONT> relationship with us. Our
consumer loans, which are underwritten primarily based on the borrower&#146;s financial condition and, in some cases, are unsecured credits, subject us to risk based on changes in the borrower&#146;s financial condition, which could be affected by
numerous factors, including divorce, job loss, illness or other personal hardship, and fluctuations in the value of the real estate or personal property securing the consumer loan, if any. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Agriculture Loans.</I>&nbsp;&nbsp;A small portion of our loan portfolio (less than two percent) consists of agriculture loans. These loans
are originated primarily in our markets and surrounding areas and typically consist of livestock and pasture loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Credit Policies and Procedures </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>General</I>.&nbsp;&nbsp;We adhere to what we believe are disciplined underwriting standards, but also remain cognizant of the need to serve
the credit needs of customers in our primary market areas by offering flexible loan solutions in a responsive and timely manner. We maintain asset quality through an emphasis on local market knowledge, long-term customer relationships, consistent
and thorough underwriting for all loans and a conservative credit culture. We also seek to maintain a broadly diversified loan portfolio across customer, product and industry types. Our lending policies do not provide for any loans that are highly
speculative, subprime, or that have high <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">loan-to-value</FONT></FONT> ratios. These components, together with active credit management, are the foundation of our credit culture, which
we believe is critical to enhancing the long-term value of our organization to our customers, employees, shareholders and communities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We
have a service-driven, relationship-based, business-focused credit culture, rather than a price-driven, transaction-based culture. Substantially all of our loans are made to borrowers located or operating in our primary market areas with whom we
have ongoing relationships across various product lines. The limited number of loans secured by properties located in <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-market</FONT></FONT> areas have been made strictly to
borrowers who are well-known to us. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Credit Concentrations</I>.&nbsp;&nbsp;In connection with the management of our credit portfolio,
we actively manage the composition of our loan portfolio, including credit concentrations. Our loan approval policies establish concentrations limits with respect to industry and loan product type to enhance portfolio diversification. These limits
are reviewed monthly as part of our loan review program. In general, loan product concentration levels are monitored on a monthly basis, and our commercial real estate concentrations are monitored monthly by the Bank&#146;s Directors&#146; Loan
Committee, which is composed of seven outside directors and two Bank officers, including the Chief Executive Officer and Chief Lending Officer. Industry concentration levels are monitored on a monthly basis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Loan Approval Process.</I><I></I>&nbsp;&nbsp;We seek to achieve an appropriate balance between prudent, disciplined underwriting and
flexibility in our decision-making and responsiveness to our customers. Our board has established an <FONT STYLE="white-space:nowrap">&#147;in-house&#148;</FONT> lending limit to any single customer equal to 95% of our legal lending limit. As of
December&nbsp;31, 2016, the Bank had a legal lending limit of approximately $26.0&nbsp;million for loans secured without readily marketable collateral, and its <FONT STYLE="white-space:nowrap">&#147;in-house&#148;</FONT> lending limit was
$24.8&nbsp;million as of such date. Our credit approval policies provide for various levels of officer and senior management lending authority for new credits and renewals, which are based on position, capability and experience. Loans in excess of
an individual officer&#146;s lending limit may be approved by two or more executive officers, with stacking authority, combining their individual lending limits, up to a current maximum of $2.5&nbsp;million. Loans presenting aggregate lending
exposure in excess of $2.5&nbsp;million are subject to approval of the Bank&#146;s Directors&#146; Loan Committee. These limits are reviewed periodically by the Bank&#146;s board of directors. We believe that our credit approval process provides for
thorough underwriting and efficient decision making. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Credit Risk Management</I>.&nbsp;&nbsp;Credit risk management involves a
partnership between our loan officers and our credit approval, credit administration and collections personnel. We conduct monthly loan meetings, attended by substantially all of our loan officers, related loan production staff and credit
administration staff at which asset quality and delinquencies are reviewed. Our evaluation and compensation program for our loan officers includes significant goals, such as the percentages of past due loans and charge-offs to total loans in the
officer&#146;s portfolio, that we believe motivate the loan officers to focus on the origination and maintenance of high quality credits consistent with our strategic focus on asset quality. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">It is our policy to discuss each loan that has one or more past due payment at our monthly meetings with all lending personnel. Our policies
require rapid notification of delinquency and prompt initiation of collection actions. Loan officers, credit administration personnel and senior management proactively support collection activities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In accordance with our procedures, we perform annual asset reviews of our larger multifamily and
commercial real estate loans. As part of these asset review procedures, we analyze recent financial statements of the property, borrower and any guarantor to determine the current level of occupancy, revenues and expenses and to investigate any
deterioration in the value of the real estate collateral or in the borrower&#146;s and any guarantor&#146;s financial condition. Upon completion, we update the grade assigned to each loan. Loan officers are encouraged to bring potential credit
issues to the attention of credit administration personnel. We maintain a list of loans that receive additional attention if we believe there may be a potential credit risk. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Loans that are downgraded or classified undergo a detailed quarterly review by the Bank&#146;s internal Problem Asset Committee. This review
includes an evaluation of the market conditions, the property&#146;s trends, the borrower and guarantor status, the level of reserves required and loan accrual status. Additionally, we periodically have an independent, third-party review performed
on our loan grades and our credit administration functions. Finally, we perform an annual stress test of our loan portfolio, in which we evaluate the impact of declining economic conditions on the portfolio based on previous recessionary periods.
Management reviews these reports and presents them to the Bank&#146;s Directors&#146; Loan Committee. These asset review procedures provide management with additional information for assessing our asset quality. In addition, for business and
personal loans that are not secured by real estate, we perform frequent evaluations and regular monitoring. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Deposits </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our deposits serve as the primary funding source for lending, investing and other general banking purposes. We provide a full range of deposit
products and services, including a variety of checking and savings accounts, certificates of deposit, money market accounts, debit cards, remote deposit capture, online banking, mobile banking, <FONT STYLE="white-space:nowrap">e-Statements,</FONT> <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">bank-by-mail</FONT></FONT> and direct deposit services. We also offer business accounts and cash management services, including business checking and savings accounts and treasury
management services. We solicit deposits through our relationship-driven team of dedicated and accessible bankers and through community focused marketing. We also seek to cross-sell deposit products at loan origination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A significant driver of our business and growth is the availability of core deposits for funding. As of December&nbsp;31, 2016, we held
approximately $1.6&nbsp;billion of total deposits, and from December&nbsp;31, 2012 to December&nbsp;31, 2016, our total deposits increased at a compound annual growth rate of approximately 10.5%. As of December&nbsp;31, 2016, we did not have
brokered deposits or any deposits from listing services or subscription services and our core deposit to total deposit ratio has ranged from 92.1% as of December&nbsp;31, 2012 to 93.5% as of December&nbsp;31, 2016. Our cost of interest-bearing
deposits was 0.77% and average noninterest-bearing deposits comprised approximately 22.4% of average total deposits for the year ended December&nbsp;31, 2016. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Given the diverse nature of our banking location network and our relationship-driven approach to our customers, we believe our deposit base is
comparatively less sensitive to interest rate variations than our competitors. Nevertheless, we attempt to competitively price our deposit products to promote core deposit growth. We believe that our loan pricing encourages deposits from our loan
customers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Guaranty Bank&nbsp;&amp; Trust Wealth Management Group </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We deliver a comprehensive suite of trust services through Guaranty Bank&nbsp;&amp; Trust Wealth Management Group, a division of our Bank.
Enhancing and expanding our trust department, particularly in our Dallas/Fort Worth metroplex and Bryan/College Station markets is an important component of our strategic plan because trust and wealth management services can generate stable and
recurring revenue and enhance banking customer loyalty, which can result in increased core deposits and greater cross-selling opportunities. We also provide traditional trustee, custodial and escrow services for institutional and individual
accounts, including corporate escrow accounts, serving as custodian for self-directed individual retirement accounts and other retirement accounts. In addition, we offer clients comprehensive investment management solutions whereby we manage all or
a portion of a client&#146;s investment portfolio on a discretionary basis. Finally, we provide retirement plan services, such as 401(k) programs, through a national vendor. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, we had $265.7&nbsp;million of trust assets under administration and
480 trust services accounts. In 2016, net earnings for this division were $80,250. We expect trust department asset growth and diversification to continue over the next several years, as we focus growth and marketing efforts on our newer markets in
which the volume of potential customers seeking these services is greater than in our traditional East Texas market.&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Residential Mortgage Origination </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We
originate residential mortgages for sale on the secondary market through the mortgage division of our Bank. We have developed a scalable platform for mortgage originations within this division and believe that we have significant opportunities to
grow the business, particularly as we continue to expand into major metropolitan areas of Texas. The mortgage division handles loan processing, underwriting and closings <FONT STYLE="white-space:nowrap">in-house.</FONT> We sell substantially all
mortgage loans we originate to various investors in the secondary market and do not service these loans. Loans sold are subject to certain indemnification provisions with investors, including the repurchase of loans sold and the repayment of sales
proceeds to investors under certain conditions. In addition, if a customer defaults on a mortgage payment shortly after the loan is originated, the purchaser of the loan may have a put right, whereby they can require us to repurchase the loan at the
full amount paid by the purchaser. In 2013 and 2014, we repurchased three residential mortgage loans sold to government-sponsored enterprises with an aggregate principal amount of $405,000, all of which were fully paid with no remaining principal
balance as of December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Other Products and Services </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We offer banking products and services that are attractively priced with a focus on customer convenience and accessibility. We offer a full
suite of online banking services including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, as well as ATMs, and banking by telephone, mail and personal appointment. We also offer
debit cards, night depository, direct deposit, cashier&#146;s checks, and letters of credit, as well as treasury management services, including wire transfer services, remote deposit capture and automated clearinghouse services. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are currently focused on expanding noninterest income though increased income from our treasury and cash management service. We offer a
full array of commercial treasury management services designed to be competitive with banks of all sizes. Treasury management services include balance reporting (including current day and previous day activity), transfers between accounts, wire
transfer initiation, automated clearinghouse origination and stop payments. Cash management deposit products consist of remote deposit capture, merchant services, positive pay and reverse positive pay (automated fraud detection tools), account
reconciliation services, zero balance accounts and sweep accounts, including loan sweep. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Investments </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Due to the recent growth in our loan portfolio, we manage our investment portfolio primarily for liquidity purposes, with a secondary focus on
returns. We separate our portfolio into two categories: (1)&nbsp;short-term investments with maturities less than one year, including federal funds sold; and (2)&nbsp;investments with maturities exceeding one year (the current duration is
approximately 5.3 years), all of which are classified as either <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">available-for-sale</FONT></FONT> or
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">held-to-maturity</FONT></FONT> and can be used for pledging on public deposits, selling under repurchase agreements and meeting unforeseen liquidity needs. The latter category is
invested in a variety of high-grade securities, including government agency securities, government guaranteed mortgage backed securities and municipal securities. We regularly evaluate the composition of this category as changes occur with respect
to the interest rate yield curve. Although we may sell investment securities from time to time to take advantage of changes in interest rate spreads, it is our policy not to sell investment securities unless we can reinvest the proceeds at a similar
or higher spread, so as not to take gains to the detriment of future income. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">76 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The investment policy is reviewed annually by the Bank&#146;s board of directors. Overall
investment goals are established by the Bank&#146;s board of directors and the Bank&#146;s Asset/Liability Management Committee. The Bank&#146;s board of directors has delegated the responsibility of monitoring our investment activities to the
Investment Committee. <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Day-to-day</FONT></FONT> activities pertaining to the investment portfolio are conducted within our accounting department under the supervision of our Chief
Financial Officer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Information Technology Systems </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We continue to make significant investments in our information technology systems for our banking and lending operations and treasury
management activities. We believe that this investment is essential to enhance our capabilities to offer new products and overall customer experience, to provide scale for future growth and acquisitions, and to increase controls and efficiencies in
our back office operations. We have purchased our core data processing platform from a nationally recognized bank software vendor providing us with capabilities to support the continued growth of the Bank. Our internal network and <FONT
STYLE="white-space:nowrap">e-mail</FONT> systems are maintained <FONT STYLE="white-space:nowrap">in-house.</FONT> We leverage the capabilities of a third-party service provider to provide the technical expertise around network design and
architecture that is required for us to operate as an effective and efficient organization. We actively manage our business continuity plan. We strive to follow all recommendations outlined by the Federal Financial Institutions Examination Council
in an effort to provide that we have effectively identified our risks and documented contingency plans for key functions and systems including providing for back up sites for all critical applications. We perform tests of the adequacy of these
contingency plans on at least an annual basis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The majority of our other systems, including electronic funds transfer and transaction
processing, are operated in house. Online banking services and other public facing web services are hosted by third-party service providers. The scalability of this infrastructure is designed to support our expansion strategy. These critical
business applications and processes are included in the business continuity plans referenced above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Enterprise Risk Management </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We place significant emphasis on risk mitigation as an integral component of our organizational culture. We believe that our emphasis on risk
management is manifested in our solid asset quality statistics and in our historically low charge-offs and losses on deposit-related services due to debit card, ACH or wire fraud. All of the Bank&#146;s executive officers serve on the Bank&#146;s
Enterprise Risk Management Committee, which is chaired by our Chief Risk Officer. Risk management, with respect to our lending philosophy, focuses on structuring credits to provide for multiple sources of repayment, coupled with strong underwriting
undertaken by the Bank&#146;s experienced officers and credit policy personnel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our risk mitigation techniques include monthly Bank
Directors&#146; Loan Committee meetings where loan pricing, allowance for loan losses methodology and level, and loan concentrations are reviewed and discussed. In addition, the Bank&#146;s Directors&#146; Loan Committee reviews interest rate
stratification and portfolio composition reports on a monthly basis. The Bank&#146;s Problem Asset Committee also meets monthly to discuss criticized assets and set action plans for those borrowers who display deteriorating financial condition, to
monitor those relationships and to implement corrective measures on a timely basis to minimize losses. We also perform an annual stress test on our loan portfolio, in which we evaluate the impact on the portfolio of declining economic conditions on
the portfolio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We also focus on risk management in numerous other areas throughout our organization, including asset/liability
management, regulatory compliance and strategic and operational risk. We have implemented an extensive asset/liability management process, and utilize a well-known and experienced third party to run our interest rate risk model on a quarterly basis.
We utilize hedging techniques whenever our models indicate short-term (net interest income) or long term (economic value of equity) risk to interest rate movements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have implemented management assessment and testing of internal controls consistent with the requirements of Sarbanes-Oxley. We also
annually engage an experienced third party to review and assess our controls with respect to technology, as well as to perform penetration and vulnerability testing to assist us in managing the risks associated with information security. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">77 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Competition </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The banking and financial services industry is highly competitive, and we compete with a wide range of financial institutions within our
markets, including local, regional and national commercial banks and credit unions. We also compete with mortgage companies, brokerage firms, consumer finance companies, mutual funds, securities firms, insurance companies, third-party payment
processors, fintech companies and other financial intermediaries for certain of our products and services. Some of our competitors are not subject to the regulatory restrictions and level of regulatory supervision applicable to us. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Interest rates on loans and deposits, as well as prices on <FONT STYLE="white-space:nowrap">fee-based</FONT> services, are typically
significant competitive factors within banking and financial services industry. Many of our competitors are much larger financial institutions that have greater financial resources than we do and compete aggressively for market share. These
competitors attempt to gain market share through their financial product mix, pricing strategies and banking center locations. Other important competitive factors in our industry and markets include office locations and hours, quality of customer
service, community reputation, continuity of personnel and services, capacity and willingness to extend credit, and ability to offer sophisticated banking products and services. While we seek to remain competitive with respect to fees charged,
interest rates and pricing, we believe that our broad and sophisticated commercial banking product suite, our high-quality customer service culture, our positive reputation and long-standing community relationships will enable us to compete
successfully within our markets and enhance our ability to attract and retain customers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Employees </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, we employed 397 full-time equivalent persons. We provide extensive training to our employees in an effort to
ensure that our customers receive superior customer service. None of our employees are represented by any collective bargaining unit or are parties to a collective bargaining agreement. We consider our relations with our employees to be good. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Properties </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Bank currently
operates 26 banking locations, all of which are located in Texas. The principal executive office of the Bank is located at 201 South Jefferson Avenue, Mount Pleasant, Texas 75455. The Bank currently operates banking locations in the following Texas
locations: Atlanta, Bogata, Bryan, College Station (two locations), Commerce, Dallas (two locations), Denton (two locations), Hallsville, Longview, Mount Pleasant (two locations), Mount Vernon, New Boston, Paris (two locations), Pittsburg, Rockwall,
Royse City, Sulphur Springs, and Texarkana (four locations). We own all of our banking locations, except for two banking locations in Dallas, Texas, one banking location in Denton, Texas, one banking location in Rockwall, Texas and one office
location in Longview, Texas, which we lease. We believe that the five leases to which we are subject are generally on terms consistent with prevailing market terms, and none of the leases are with our directors, officers, beneficial owners of more
than 5% of our voting securities or any affiliates of the foregoing. We believe that our facilities are in good condition and are adequate to meet our operating needs for the foreseeable future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Legal Proceedings </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are not currently
subject to any material legal proceedings. We are from time to time subject to claims and litigation arising in the ordinary course of business. These claims and litigation may include, among other things, allegations of violation of banking and
other applicable regulations, competition law, labor laws and consumer protection laws, as well as claims or litigation relating to intellectual property, securities, breach of contract and tort. We intend to defend ourselves vigorously against any
pending or future claims and litigation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">At this time, in the opinion of management, the likelihood is remote that the impact of such
proceedings, either individually or in the aggregate, would have a material adverse effect on our combined results of operations, financial condition or cash flows. However, one or more unfavorable outcomes in any claim or
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">78 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
litigation against us could have a material adverse effect for the period in which they are resolved. In addition, regardless of their merits or their ultimate outcomes, such matters are costly,
divert management&#146;s attention and may materially adversely affect our reputation, even if resolved in our favor. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">79 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_11"></A>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
RESULTS OF OPERATIONS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>The following discussion and analysis of our financial condition and results of operations should be read in
conjunction with &#147;Selected Historical Consolidated Financial Information&#148; and the Company&#146;s audited consolidated financial statements and the accompanying notes included elsewhere in this prospectus. This discussion and analysis
contains forward-looking statements that are subject to certain risks and uncertainties and are based on certain assumptions that we believe are reasonable but may prove to be inaccurate. Certain risks, uncertainties and other factors, including
those set forth under &#147;Forward-Looking Statements,&#148; &#147;Risk Factors&#148; and elsewhere in this prospectus, may cause actual results to differ materially from those projected results discussed in the forward-looking statements appearing
in this discussion and analysis. We assume no obligation to update any of these forward-looking statements. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following discussion and analysis presents our financial condition and results of operations on a consolidated basis. However, because we
conduct all of our material business operations through Guaranty Bank&nbsp;&amp; Trust, the discussion and analysis relates to activities primarily conducted by Guaranty Bank&nbsp;&amp; Trust. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a bank holding company that operates through one segment, we generate most of our revenue from interest on loans and investments, customer
service and loan fees, fees related to the sale of mortgage loans, and trust and wealth management services. We incur interest expense on deposits and other borrowed funds, as well as noninterest expense, such as salaries and employee benefits and
occupancy expenses. We analyze our ability to maximize income generated from interest earning assets and control the interest expenses of our liabilities, measured as net interest income, through our net interest margin and net interest spread. Net
interest income is the difference between interest income on interest-earning assets, such as loans and securities, and interest expense on interest-bearing liabilities, such as deposits and borrowings, which are used to fund those assets. Net
interest margin is a ratio calculated as net interest income divided by average interest-earning assets. Net interest spread is the difference between rates earned on interest-earning assets and rates paid on interest-bearing liabilities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Changes in market interest rates and the interest rates we earn on interest-earning assets or pay on interest-bearing liabilities, as well as
in the volume and types of interest-earning assets, interest-bearing and noninterest-bearing liabilities and shareholders&#146; equity, are usually the largest drivers of periodic changes in net interest spread, net interest margin and net interest
income. Fluctuations in market interest rates are driven by many factors, including governmental monetary policies, inflation, deflation, macroeconomic developments, changes in unemployment, the money supply, political and international conditions
and conditions in domestic and foreign financial markets. Periodic changes in the volume and types of loans in our loan portfolio are affected by, among other factors, economic and competitive conditions in Texas, as well as developments affecting
the real estate, technology, financial services, insurance, transportation, manufacturing and energy sectors within our target markets and throughout the state of Texas. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Acquisitions </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The comparability of our
consolidated results of operations for the year ended December&nbsp;31, 2015 to the year ended December&nbsp;31, 2014 is affected by two acquisitions that we completed in 2015. On March&nbsp;28, 2015, we completed the acquisition of DCB Financial.
On April&nbsp;11, 2015, we completed the acquisition of Texas Leadership Bank. Therefore, the results of the acquired operations of DCB Financial and Texas Leadership Bank were included in our results of operations for a portion of 2015 but were not
included in our results of operations for 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">80 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Termination of Subchapter S Corporation Status </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Effective January&nbsp;1, 2008, we made an election to be taxed for federal income tax purposes as a &#147;Subchapter S corporation&#148;
under the provisions of Sections 1361 through 1379 of the Internal Revenue Code. We terminated our election to be taxed as a Subchapter S corporation effective December&nbsp;31, 2013. During the period we were taxed as a Subchapter S corporation,
our net income was not subject to, and we did not pay, U.S. federal income taxes, and we were not required to make any provision or recognize any liability for federal income taxes<B> </B>in our financial statements for the year ended
December&nbsp;31, 2008 through the year ended December&nbsp;31, 2013. In addition, during these taxable periods that we were a Subchapter S corporation, we paid distributions to our shareholders to assist them in paying the federal income taxes on
the pro rata portion of our taxable income that &#147;passed through&#148; to our shareholders. See &#147;Dividend Policy.&#148; Effective January&nbsp;1, 2014, we became subject to federal income taxation as a C corporation under Subchapter C of
the Internal Revenue Code, and we established deferred tax assets and liabilities effective December&nbsp;31, 2013 to reflect the conversion. Accordingly, beginning January&nbsp;1, 2014, we reflect a provision for federal income taxes on our
financial statements. As a result of that change in our status under the federal income tax laws, the net income and earnings per share data presented in our historical financial statements for the year ended December&nbsp;31, 2013 which do not
include any provision for federal income taxes, will not be comparable with our historical financial statements for the years ended December&nbsp;31, 2014, 2015 and 2016, or our future net income and earnings per share, which will be calculated by
including a provision for federal income taxes. However, we have included pro forma financial information in the section of this prospectus entitled &#147;Selected Historical Consolidated Financial Information&#148; showing income tax expense and
net earnings as if we were a C corporation at the beginning of the earliest period presented for comparison purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Performance Summary for the
Years Ended December&nbsp;31, 2016 and 2015 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Net earnings were $12.1&nbsp;million for the year ended December&nbsp;31, 2016, as
compared to $10.1&nbsp;million for the year ended December&nbsp;31, 2015. This performance resulted in basic earnings per share of $1.35 for the year ended December&nbsp;31, 2016 as compared to $1.15 for the year ended December&nbsp;31, 2015. The
increase in net earnings over this period was primarily the result of our expansion in the Dallas/Fort Worth metroplex, a full year of earnings from the acquisitions of DCB Financial and Texas Leadership Bank in March and April of 2015,
respectively, and the continued maturity of the <I>de novo</I> locations in both the Dallas/Fort Worth metroplex and Bryan/College Station markets. The increase in earnings per share over this period was due to a 19.9% increase in net earnings while
the weighted average shares outstanding increased only 2.0%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our return on average assets was 0.68% for the year ended December&nbsp;31,
2016, as compared to 0.65% for the year ended December&nbsp;31, 2015. Our return on average equity was 8.34% for the year ended December&nbsp;31, 2016, as compared to 7.44% for the year ended December&nbsp;31, 2015. The increase in both ratios was
due to the increase in net earnings of 19.9% relative to smaller increases in total average assets and total average shareholders&#146; equity of 14.5% and 6.9%, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our net interest margin was 3.27% for the year ended December&nbsp;31, 2016 and 3.33% for the year ended December&nbsp;31, 2015. Our net
interest margin has been relatively consistent in recent years, with 3.33%, 3.23% and 3.07% net interest margin for the years ended December&nbsp;31, 2014, 2013 and 2012, respectively. Our efficiency ratio was 69.46% for the year ended
December&nbsp;31, 2016, as compared to 71.99% for the year ended December&nbsp;31, 2015. Our efficiency ratio has been relatively stable in recent years, with the improvement in efficiency ratio in 2016 largely attributable to the relative lack of <FONT
STYLE="white-space:nowrap">one-time</FONT> expenses in 2016 compared to the expenses we incurred in 2015 in connection with our acquisitions and the establishment of our corporate office in Dallas. Our efficiency ratios for the years ended
December&nbsp;31, 2014, 2013 and 2012 were 69.53%, 67.74% and 69.51%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our total assets increased $145.7&nbsp;million, or
8.7%, to $1.83&nbsp;billion for the year ended December&nbsp;31, 2016, compared to $1.68&nbsp;billion for the year ended December&nbsp;31, 2015. Our total loans (excluding loans held for </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">81 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
sale) increased $176.5&nbsp;million, or 16.5%, to $1.25&nbsp;billion for the year ended December&nbsp;31, 2016, compared to $1.07&nbsp;billion for the year ended December&nbsp;31, 2015. Total
shareholders&#146; equity increased $4.2&nbsp;million, or 3.0%, to $141.9&nbsp;million for the year ended December&nbsp;31, 2016, compared to $137.7&nbsp;million for the year ended December&nbsp;31, 2015. The increases in our total assets and
shareholders&#146; equity are primarily the result of our loan growth in 2016, which was entirely organic, and the 19.9% increase in net earnings in 2016, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Results of Operations for the Years Ended December&nbsp;31, 2016, 2015 and 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Net Interest Income </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our operating
results depend primarily on our net interest income. Fluctuations in market interest rates impact the yield and rates paid on interest-earning assets and interest-bearing liabilities, respectively. Changes in the amount and type of interest-earning
assets and interest-bearing liabilities also impact our net interest income. To evaluate net interest income, we measure and monitor (1)&nbsp;yields on our loans and other interest-earning assets, (2)&nbsp;the costs of our deposits and other funding
sources, (3)&nbsp;our net interest spread and (4)&nbsp;our net interest margin. Because noninterest-bearing sources of funds, such as noninterest-bearing deposits and shareholders&#146; equity also fund interest-earning assets, net interest margin
includes the benefit of these noninterest-bearing sources. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>2016 vs. 2015. </I>Net interest income for 2016 was $53.8&nbsp;million
compared to $47.8&nbsp;million for 2015, an increase of $6.0&nbsp;million, or 12.6%. The increase in net interest income was comprised of an $8.6&nbsp;million, or 15.3%, increase in interest income offset by a $2.6&nbsp;million, or 31.3%, increase
in interest expense. The growth in interest income was primarily attributable to a $188.0&nbsp;million, or 19.0%, increase in average loans outstanding for the year ended December&nbsp;31, 2016, compared to 2015, partially offset by an 11 basis
point decrease in the yield on total loans. The increase in average loans outstanding was primarily due to organic growth in all of our markets and continuing maturity of <I>de novo</I> and acquired locations in the Dallas/Fort Worth metroplex and
Bryan/College Station markets. The $2.6&nbsp;million increase in interest expense for the year ended December&nbsp;31, 2016 was primarily related to a $210.6&nbsp;million, or 21.8%, increase in average interest-bearing deposits over the same period
in 2015. The majority of this increase is due to organic growth, primarily in money market accounts, driven in part by favorable rates that were offered in our Bryan/College Station and Dallas/Fort Worth metroplex markets. For the year ended
December&nbsp;31, 2016, net interest margin and net interest spread were 3.27% and 3.08%, respectively, compared to 3.33% and 3.17% for the same period in 2015, which reflects the increases in interest expense discussed above relative to the
increases in interest income. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>2015 vs. 2014.</I> Net interest income for 2015 was $47.8&nbsp;million compared to $39.1&nbsp;million
for 2014, an increase of $8.7&nbsp;million, or 22.2%. The increase in net interest income for 2015 over 2014 was comprised of a $10.9&nbsp;million, or 24.1%, increase in interest income offset by a $2.2&nbsp;million, or 36.2%, increase in interest
expense. The growth in interest income was primarily attributable to a $253.4&nbsp;million, or 34.3%, increase in average loans outstanding for the year ended December&nbsp;31, 2015, compared to 2014, partially offset by a five basis point decrease
in the yield on total loans. The increase in average loans outstanding was primarily due to the acquisition of DCB Financial and Texas Leadership Bank in the first half of 2015 in which we acquired a fair value of performing loans of
$118.2&nbsp;million and $43.6&nbsp;million, respectively, as well as our organic growth in the Bryan/College Station market and the Longview area of our East Texas market. Interest expense was $8.3&nbsp;million for 2015, an increase of
$2.2&nbsp;million over 2014. The increase was primarily related to a $168.7&nbsp;million, or 21.2%, increase in average interest-bearing deposits. The majority of this increase is due to the acquired interest-bearing deposits of $68.8&nbsp;million
and $48.8&nbsp;million of DCB Financial and Texas Leadership Bank, respectively, as well as our organic growth in the Bryan/College Station market and the Longview area of our East Texas market. For the year ended December&nbsp;31, 2015 net interest
margin and net interest spread were 3.33% and 3.17%, respectively, compared to 3.33% and 3.18% for the same period in 2014. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The
following table presents an analysis of net interest income and net interest spread for the periods indicated, including average outstanding balances for each each major category of interest-earning assets and interest-bearing liabilities, the
interest earned or paid on such amounts, and the average rate earned or paid on </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">82 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
such assets or liabilities, respectively. The table also sets forth the net interest margin on average total interest-earning assets for the same periods. Interest earned on loans that are
classified as nonaccrual is not recognized in income; however the balances are reflected in average outstanding balances for the period. For the years ended December&nbsp;31, 2016, 2015 and 2014, the amount of interest income not recognized on
nonaccrual loans was not material. Any nonaccrual loans have been included in the table as loans carrying a zero yield. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For the Years Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Earned/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Earned/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Earned/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Yield/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Yield/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Yield/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Paid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Paid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Paid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Interest-earnings assets:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total loans<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,179,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;55,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">991,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;47,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.82%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">738,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;35,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.87%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">198,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,723</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.88%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">233,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,393</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.88%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222,471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,497</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Securities held to maturity.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">182,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,678</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.56%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.73%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,894</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Nonmarketable equity securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,547</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">271</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.17%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Interest-bearing deposits in other banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.41%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.03%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,647,959</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">64,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.93%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,432,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">56,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.92%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,174,144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.85%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,826</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,701</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,407</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Noninterest-earnings assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,776,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,551,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,272,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Liabilities and Stockholders&#146; Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Interest-bearing liabilities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,175,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,050</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">964,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">796,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.58%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Advances from FHLB and</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Fed Funds Purchased</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,293</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.72%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">586</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.44%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">497</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.70%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">252</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.96%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.34%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.28%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.28%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,633</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,285,003</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,868</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.85%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,104,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.75%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">917,412</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.67%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Noninterest-bearing liabilities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Noninterest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">340,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consideration payable</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Accrued interest and other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,335</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,832</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total noninterest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">346,320</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">310,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243,038</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145,385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135,954</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,776,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,551,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,272,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Net interest rate spread<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.08%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.17%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">53,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">47,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Net interest margin<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.27%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:10.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:35%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman">(1) Includes
average outstanding balances of loans held for sale of $3.0&nbsp;million, $4.4&nbsp;million and $4.2&nbsp;million for the years ended December&nbsp;31, 2016, 2015 and 2014 respectively. </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman">(2) Net interest spread is the average yield on interest-earning assets minus the average rate on interest-bearing liabilities. </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman">(3) Net interest margin is equal to net interest income divided by average interest-earning assets. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">83 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents information regarding the dollar amount of changes in interest
income and interest expense for the periods indicated for each major component of interest-earning assets and interest-bearing liabilities and distinguishes between the changes attributable to changes in volume and changes attributable to changes in
interest rates. For purposes of this table, changes attributable to both rate and volume that cannot be segregated have been allocated to rate. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years&nbsp;Ended&nbsp;December&nbsp;31,<BR>2016 vs. 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years&nbsp;Ended&nbsp;December&nbsp;31,<BR>2015 vs. 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase (Decrease)<BR>Due&nbsp;to&nbsp;Change&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total<BR>Increase</B><br><B>(Decrease)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase (Decrease)<BR>Due&nbsp;to&nbsp;Change&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total<BR>Increase</B><br><B>(Decrease)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Volume</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Volume</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Dollars in thousands) </B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-earning assets:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,136</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(337</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,884</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(659</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(670</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,311</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,104</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,438</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(213</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,225</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(225</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(162</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nonmarketable equity securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(64</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(52</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-earning deposits in other banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total increase (decrease) in interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,702</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,076</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,626</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,220</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,372</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing liabilities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,945</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Advances from FHLB and Fed funds Purchased</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(196</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(179</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(375</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(32</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">271</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">279</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(101</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total increase (decrease) in interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,820</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase (decrease) in net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,881</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,800</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,081</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,608</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,972</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,636</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Provision for Loan Losses </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The provision for loan losses is a charge to income in order to bring our allowance for loan losses to a level deemed appropriate by
management. For a description of the factors taken into account by our management in determining the allowance for loan losses see &#147;&#151;&nbsp;Financial Condition&#151;Allowance for Loan Losses.&#148; The provision for loan losses for the year
ended December&nbsp;31, 2016 was $3.6&nbsp;million compared to $2.2&nbsp;million for the year ended December&nbsp;31, 2015. As of December&nbsp;31, 2016 and December&nbsp;31, 2015, our general allowance reserves were $11.2&nbsp;million and
$8.7&nbsp;million, respectively, while our specific reserves allocated to cover classified and problem loans were $253,000 and $527,000, respectively. The increase in provision expense was primarily due to the $2.5&nbsp;million increase in general
allowance reserves, which was primarily attributable to the growth in loans of $176.5&nbsp;million, or 16.5%, to $1.25&nbsp;billion for the year ended December&nbsp;31, 2016, from $1.07&nbsp;billion for the year ended December&nbsp;31, 2015. As of
December&nbsp;31, 2016, there was $11.7&nbsp;million in loan balances past due 30 or more days and $4.4&nbsp;million nonperforming (nonaccrual) loans, compared to $9.7&nbsp;million and $2.4&nbsp;million, respectively, for the year ended
December&nbsp;31, 2015. However, the specific reserves associated with these loans decreased due to improvements in the values of the underlying collateral that secure those loans, leading to a $274,000 decrease in specific reserves for the year
ended December&nbsp;31, 2016 over the year ended December&nbsp;31, 2015 that partially offset the increase in general reserves driven by our loan growth. The provision for loan losses for the year ended December&nbsp;31, 2015 increased $853,000 to
$2.2&nbsp;million compared to $1.3&nbsp;million for the year ended December&nbsp;31, 2014. The increase in provision expense in 2015 was due primarily </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">84 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
to an increase in the level of specific reserves needed to cover certain classified loans and a higher amount of expense required to replenish the reserve from the net <FONT
STYLE="white-space:nowrap">charge-off</FONT> to loans, partially offset by general reserves needed to cover the amount of the portfolio loan growth. Net charge-offs for the year ended December&nbsp;31, 2016 totaled $1.4&nbsp;million, or 0.11%, of
total loans including loans held for sale, compared to net charge-offs of $633,000, or 0.06%, and net charge-offs of $694,000, or 0.09%, for the same period in 2015 and 2014, respectively. The increase in net charge-offs for the year ended
December&nbsp;31, 2016 was primarily due to one borrowing relationship, with a <FONT STYLE="white-space:nowrap">charge-off</FONT> amount of $1.2&nbsp;million, in which the assets were repossessed and are currently held for sale. Without this
specific <FONT STYLE="white-space:nowrap">charge-off,</FONT> the ratio of net charge-offs to total loans for the year ended December&nbsp;31, 2016, would have been 0.02%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Noninterest Income </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our primary sources
of recurring noninterest income are service charges on deposit accounts, merchant and debit card fees, fiduciary income, gains on the sale of loans, and income from bank-owned life insurance. Noninterest income does not include loan origination fees
to the extent they exceed the direct loan origination costs, which are generally recognized over the life of the related loan as an adjustment to yield using the interest method. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">For the year ended December&nbsp;31, 2016, noninterest income totaled $12.8&nbsp;million, an increase of $1.5&nbsp;million, or 13.6%, compared
to $11.3&nbsp;million for the year ended December&nbsp;31, 2015. For the year ended December&nbsp;31, 2015, noninterest income increased $572,000, or 5.3%, from $10.7&nbsp;million for the year ended December&nbsp;31, 2014. The following table
presents, for the periods indicated, the major categories of noninterest income: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years</B><br><B>Ended<BR>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years<BR>Ended<BR>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016&nbsp;v.&nbsp;2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015&nbsp;v.&nbsp;2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(Dollars in thousands) </B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Noninterest income:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Service charges on deposit accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,530</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,618</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(125</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Merchant and debit card fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,741</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,418</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Fiduciary income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">298</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Gain (loss) on sales of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">665</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">991</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Bank-owned life insurance income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">410</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Gain (loss) on sales of investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(212</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Title policies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(240</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Loan processing fee income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">441</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,769</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">696</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,769</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,533</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">691</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Service Charges on Deposit Accounts</I>.&nbsp;&nbsp;We earn fees from our customers for
deposit-related services, and these fees constitute a significant and predictable component of our noninterest income. Service charges on deposit accounts were $3.5&nbsp;million for the year ended December&nbsp;31, 2016, which increased over the
same period in 2015 by $37,000, or 1.1%. This increase was relatively flat compared to our deposit growth during the same period because the commercial account analysis deposit accounts that we acquired from DCB Financial and Texas Leadership Bank
were not charged service fees during 2015 or 2016. We intend to begin charging service fees on those accounts during the second quarter of 2017. Service charges on deposit accounts decreased $125,000, or 3.5%, in 2015 compared to 2014. This decrease
was primarily attributable to a small runoff in low balance accounts because of changes in the products and fee schedules applied to those lower balance accounts. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">85 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Merchant and Debit Card Fees</I>.&nbsp;&nbsp;We earn interchange income related to the
activity of our customers&#146; merchant debit card usage. Debit card interchange income was $2.7&nbsp;million for the years ended December&nbsp;31, 2016 and 2015. The income remained flat from 2015 to 2016, but related debit card expenses decreased
$268,000, or 22.3%, during 2016 due to the conversion from Visa<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> to Mastercard<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> and the negotiation of better pricing, resulting in an
overall increase in related net income. Debit card interchange income increased $319,000, or 13.2%, compared to $2.4&nbsp;million for the year ended December&nbsp;31, 2014. This increase was primarily due to the increases in the number of demand
deposit accounts and the volume of debit card usage as a result of our growth. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Fiduciary Income</I>.&nbsp;&nbsp; We have trust powers
and provide fiduciary and custodial services through our trust and wealth management division.&nbsp;Fiduciary income was $1.4&nbsp;million for the years ended December&nbsp;31, 2016 and 2015, remaining flat despite an increase in total assets held
of $12.6&nbsp;million, from $253.1&nbsp;million as of December&nbsp;31, 2015 to $265.7&nbsp;million as of December&nbsp;31, 2016. Revenue for our services fluctuates by month with the market value for all publicly-traded assets held in our
investment management and fiduciary accounts. Revenue remained flat primarily because of fluctuations in <FONT STYLE="white-space:nowrap">month-end</FONT> market values of the investment management accounts and because of growth in assets related to
custody-only services, which earn lower revenues than do other fiduciary or investment management services and are not based on publicly-traded asset market values. As of December&nbsp;31, 2015, we had $253.1&nbsp;million in assets held compared to
$249.3&nbsp;million as of December&nbsp;31, 2014. Fiduciary income increased $298,000, or 26.3% in 2015 compared to 2014. This increase was due primarily to the increase in assets held and an increase in fee schedules implemented during the year.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Gain (Loss) on Sales of Loans</I>.&nbsp;&nbsp;We originate long-term fixed-rate mortgage loans for resale into the secondary
market.&nbsp;Our mortgage originations were $62.6&nbsp;million for the year ended December&nbsp;31, 2016, compared to $59.2&nbsp;million for the year ended December&nbsp;31, 2015. For the year ended December&nbsp;31, 2014, our mortgage originations
were $44.2&nbsp;million.&nbsp;Gain on sale of loans was $1.7&nbsp;million for the year ended December&nbsp;31, 2016, an increase of $665,000, or 63.2%, compared to $1.1&nbsp;million for the same period in 2015, which reflects an increase in the
number of loans sold and the amount of gain per loan sold. Gain on sales of loans increased $62,000, or 6.3%, in 2015 compared to 2014, primarily due to an increase in mortgage activity as a result of entering the Dallas/Fort Worth metroplex. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Bank-Owned Life Insurance</I>.&nbsp;&nbsp;We invest in bank-owned life insurance due to its attractive nontaxable return and protection
against the loss of our key employees.&nbsp;We record income based on the growth of the cash surrender value of these policies as well as the annual yield net of fees and charges, including mortality charges.&nbsp;Income from bank-owned life
insurance increased $32,000, or 7.6%, for the year ended December&nbsp;31, 2016 compared to the same period in 2015. The increase in income was primarily due to the purchase of $445,000 of additional bank-owned life insurance in 2016, partially
offset by a decrease in tax equivalent yields on these policies from 4.15% for 2015 compared to 4.00% for 2016. Income from bank-owned life insurance increased $11,000, or 2.7%, for the year ended December&nbsp;31, 2015, compared to the same period
in 2014.&nbsp;The increase in income was primarily attributable to the purchase of $1.3&nbsp;million in additional bank-owned life insurance in 2015, partially offset by a decrease in tax equivalent yields on these policies of 4.15% for the year
ended December&nbsp;31, 2015, compared to 4.32% for the same period in 2014.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Gain (Loss) on Sales of Investment
Securities</I>.&nbsp;&nbsp;We recorded a gain on sales of securities in the amount of $82,000 and $77,000 for the years ended December&nbsp;31, 2016 and 2015, respectively. The gains taken in both years relate to securities sold that had higher
yields in the current markets, but that management believed also had higher volatility risk in an increasing interest rate environment. Accordingly, we sold these securities and recorded gains on the sales in an effort to decrease our interest rate
risk. We recorded a loss on the sale of securities in the amount of $212,000 for the year ended December&nbsp;31, 2014. The losses taken in 2014 were taken to reduce volatility risks in an increasing rate environment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Title Policies</I>.&nbsp;&nbsp;Prior to 2015, one of our subsidiaries generated fee income through issuance of title policies. The title
company, Greene Title&nbsp;&amp; Abstract, was sold in June 2014, which had previously been operated </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">86 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
through our indirect subsidiary, Oak Tree Title, LLC. Title policy income of $240,000 was recorded through the sale date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Loan Processing Fee Income</I>.&nbsp;&nbsp;Revenue earned from collection of loan processing fees increased $121,000, or 24.2%, to $622,000
for the year ended December&nbsp;31, 2016 from $501,000 for the year ended December&nbsp;31, 2015. The increase in loan processing fee income is attributable primarily to an increase in volume of newly originated, renewed or extended loans during
the period. Loan processing fees increased $60,000, or 13.6%, for the year ended December&nbsp;31, 2015, from $441,000 for the year ended December&nbsp;31, 2014, which was also attributable to volume growth of our loan portfolio during the period,
resulting partially from the acquisition of DCB Financial and Texas Leadership Bank during March and April of 2015, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Other</I>.&nbsp;&nbsp;This category includes a variety of other income producing activities, including mortgage loan origination fees, wire
transfer fees, loan administration fees, and other fee income. Other noninterest income increased $696,000, or 39.3%, in 2016 compared to 2015 due primarily to the growth in our loan portfolio and increased mortgage origination volume causing an
increase in fee income generated from loan administration fees and income from mortgage loan origination and processing fees. Other income increased $17,000, or 1.0%, for the year ended December&nbsp;31, 2015, compared to the same period in 2014,
primarily due to an increase in rental income generated by one of our subsidiaries, 2800 S Texas Ave, which owns our Bryan banking location, and an increase in administrative loan fee income due to an increase in our loan portfolio activity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Noninterest Expense </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Generally,
noninterest expense is composed of all employee expenses and costs associated with operating our facilities, obtaining and retaining customer relationships and providing bank services. The largest component of noninterest expense is salaries and
employee benefits. Noninterest expense also includes operational expenses, such as occupancy expenses, depreciation and amortization of our facilities and our furniture, fixtures and office equipment, professional and regulatory fees, including FDIC
assessments, data processing expenses, and advertising and promotion expenses. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">For the year ended December&nbsp;31, 2016, noninterest
expense totaled $46.4&nbsp;million, an increase of $3.8&nbsp;million, or 8.9%, compared to $42.6&nbsp;million for the year ended December&nbsp;31, 2015. Noninterest expense increased $7.7&nbsp;million, or 22.2%, for the year ended December&nbsp;31,
2015, compared to the same period in 2014. The following table presents, for the periods indicated, the major categories of noninterest expense: </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years&nbsp;Ended<BR>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years&nbsp;Ended<BR>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016&nbsp;v.&nbsp;2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015&nbsp;v.&nbsp;2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Dollars in thousands) </B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Employee compensation and benefits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,611</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,142</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,251</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-staff</FONT> expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Occupancy expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Software support fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,447</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">393</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">FDIC insurance assessment fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">457</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Legal and professional fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,935</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(129</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,625</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">439</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Advertising and promotions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">756</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Telecommunication expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">533</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">ATM and debit card expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">933</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(268</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Director and committee fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">853</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(92</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Total noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,786</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">34,854</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,740</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">87 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Employee Compensation and Benefits</I>.&nbsp;&nbsp;Salaries and employee benefits are the
largest component of noninterest expense and include payroll expense, the cost of incentive compensation, benefit plans, health insurance and payroll taxes. Salaries and employee benefits were $25.6&nbsp;million for the year ended December&nbsp;31,
2016, an increase of $3.1&nbsp;million, or 14.0%, compared to $22.5&nbsp;million for the same period in 2015. The increase was due primarily to an increase in the number of employees, as well as increased health insurance expenses, benefit plan
expenses and payroll taxes. As of December&nbsp;31, 2016 and 2015, we had 397 and 379 full-time equivalent employees, respectively, an increase of 18 employees. Salaries and employee benefits increased $4.2&nbsp;million, or 23.1%, for the year end
December&nbsp;31, 2015, as compared to $18.3&nbsp;million for the same period in 2014. The number of full-time equivalent employees increased from 308 for the year ended December&nbsp;31, 2014, to 379 for the same period in 2015, an increase of 71
employees. The increases in staff and expenses in 2015 were due primarily to the acquisitions of DCB Financial and Texas Leadership Bank and the opening of a new location in Rockwall, Texas, as well as increased health insurance expenses, benefit
plan expenses and payroll taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Occupancy Expenses</I>.&nbsp;&nbsp;Occupancy expenses were $6.9&nbsp;million and $6.5&nbsp;million
for the years ended December&nbsp;31, 2016 and 2015, respectively. This category includes building, leasehold, furniture, fixtures and equipment depreciation totaling $3.2&nbsp;million for the year ended December&nbsp;31, 2016 and $3.0&nbsp;million
for the same period in 2015. The increase of $402,000, or 6.2%, in occupancy expenses for 2016 compared to 2015 was due primarily to increased lease expense due to new locations in Denton and Rockwall, as well as increased depreciation from
additional furniture, fixtures and office equipment, partially offset by decreases in automobile expense and utility expense. Expense associated with occupancy of premises increased $1.1&nbsp;million, or 20.7%, for the year ended December&nbsp;31,
2015, as compared to $5.4&nbsp;million for the same period of 2014, and related depreciation expenses increased $439,000 from $2.5&nbsp;million, or 17.4%. The increase of $1.1&nbsp;million for 2015 compared to 2014 was due primarily to increased
lease and rental expense related to the acquisition of DCB Financial in March of 2015, increased ad valorem taxes related to our expansion into the Dallas/Fort Worth metroplex, as well as an increase from $2.5&nbsp;million in building, leasehold,
furniture, fixtures and equipment depreciation for the year ended December&nbsp;31, 2014, to $3.0&nbsp;million for the same period in 2015. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Amortization.&nbsp;&nbsp;</I>Amortization costs include amortization of software and core deposit premiums. Amortization costs were
$980,000 for the year ended December&nbsp;31, 2016, an increase of $29,000, or 3.0%, compared to $951,000 for the same period of 2015. Amortization costs for the year ended December&nbsp;31, 2015, increased $47,000, or 5.2%, compared to $904,000 for
the same period of 2014. The increases in amortization costs in 2015 and 2016 were primarily due to increased amortization from core deposit intangibles resulting from the acquisitions of DCB Financial and Texas Leadership Bank, as well as
additional software purchases required to support our expansion and to build the infrastructure needed for growth in the volume of our business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Software Support</I>.&nbsp;&nbsp;Software support expenses were $1.9&nbsp;million for the year ended December&nbsp;31, 2016 and
$1.8&nbsp;million for the same period in 2015. The increase of $30,000, or 1.6%, was primarily attributable to incremental processing fees resulting from growth in volume of our loan and deposit accounts. Software support expenses increased
$393,000, or 27.2%, in 2015 from $1.4&nbsp;million for the year ended December&nbsp;31, 2014. The increase was primarily attributable to incremental processing fees resulting from the growth in the volume of our loan and deposit accounts, data
conversion fees due to acquisitions, and increased support fees from movement to a higher asset tier on certain support contracts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>FDIC Assessment Fees.&nbsp;&nbsp;</I>FDIC assessment fees were $1.2&nbsp;million and $743,000 for the years ended December&nbsp;31, 2016
and 2015, respectively. The increase of $457,000, or 61.5%, resulted from the effect of an update in our accounting methodology related to accrual of the assessment fees. FDIC assessment fees increased $63,000, or 9.3%, for the year ended
December&nbsp;31, 2015, compared to the same period in 2014, resulting from growth in our assets over this period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Legal and
Professional Fees. </I>Legal and professional fees, which include audit, loan review and regulatory assessments, were $1.9&nbsp;million and $2.1&nbsp;million for the years ended December&nbsp;31, 2016 and 2015, respectively. The decrease of
$129,000, or 6.3%, was primarily due to cancellation of services for a third-party </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">88 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
investment advisory firm related to our wealth management group during the period, which was partially offset by increases in legal fees and audit fees. The increase of $439,000, or 27.0%, for
the year ended December&nbsp;31, 2015, compared to $1.6&nbsp;million for the year ended December&nbsp;31, 2014, was primarily the result of fees paid to recruiters to staff our continued growth as well as consulting fees paid in 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Advertising and Promotions.&nbsp;&nbsp;</I>Advertising and promotion related expenses were $1.0&nbsp;million and $918,000 for the years
ended December&nbsp;31, 2016 and 2015, respectively. The increase of $97,000, or 10.6%, was primarily due to additional advertising expenses related to our two new locations in Denton, Texas and completion of a direct mail campaign in Bryan/College
Station. The increase of $162,000, or 21.4%, for the year ended December&nbsp;31, 2015, compared to $756,000 for the year ended December&nbsp;31, 2014, was primarily the result of advertising and promotion costs related to our expansion into the
Dallas/Fort metroplex and the acquisitions of DCB Financial and Texas Leadership Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Telecommunication
Expense.&nbsp;&nbsp;</I>Telecommunications expenses include telephone, internet and television/cable expenses, which were $609,000 and $572,000 for the years ended December&nbsp;31, 2016 and 2015, respectively. The increase of $37,000, or 6.5%, was
primarily due to an increase in the number of locations utilizing these services during the period. The increase of $39,000, or 7.3%, for the year ended December&nbsp;31, 2015, compared to $533,000 for the year ended December&nbsp;31, 2014, was
primarily the result of additional locations opened and acquired from DCB Financial and Texas Leadership Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>ATM and Debit Card
Expense.&nbsp;&nbsp;</I>We pay processing fees related to the activity of our customers&#146; ATM and debit card usage. ATM and debit card expenses were $933,000 and $1.2&nbsp;million for the years ended December&nbsp;31, 2016 and 2015. Our expenses
decreased $268,000, or 22.3%, due to a conversion from Visa<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> to Mastercard<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> as our brand and better negotiated pricing with Mastercard<SUP
STYLE="font-size:85%; vertical-align:top">&reg;</SUP>. ATM and debit card expense increased $261,000, or 27.8%, for the year ended December&nbsp;31, 2015, compared to $940,000 for the year ended December&nbsp;31, 2014. This increase was primarily
due to the increases in the number of demand deposit accounts and the volume of debit card usage as a result of our growth. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Director
and Committee Fees.&nbsp;&nbsp;</I>We pay fees to our board of directors for their attendance at board and committee meetings for both the Company and the Bank. Director and committee fees paid were $940,000 and $859,000 for the years ended
December&nbsp;31, 2016 and 2015. The expense increased $81,000, or 9.4%, due to an increase in the per meeting fees paid to directors starting on January&nbsp;1, 2016. Director and committee fees increased slightly for the year ended
December&nbsp;31, 2015, by $6,000, or 0.7%, compared to $853,000 for the year ended December&nbsp;31, 2014. This increase was primarily due to more meetings attended by the directors during the period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Other</I>.&nbsp;&nbsp;This category includes operating and administrative expenses, such as stock option expense, expenses and losses
related to repossession of assets, small hardware and software purchases, expense of the value of stock appreciation rights, losses incurred on problem assets, losses on sale of other real estate owned and other assets, other real estate owned
expense and write-downs, business development expenses (i.e., travel and entertainment, charitable contributions and club memberships), insurance and security expenses. Other noninterest expense decreased to $4.4&nbsp;million for the year ended
December&nbsp;31, 2016, compared to $4.5&nbsp;million for the same period in 2015, a decrease of $92,000, or 2.0%. The decrease was primarily due to no acquisition related expenses during 2016, as well as lower stock option expense and losses
sustained. Other noninterest expense increased $1.0 million, or 28.6%, in 2015 compared to 2014, due primarily due to an increase in stock option expense and costs associated with our acquisitions of DCB Financial and Texas Leadership Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Income Tax Expense </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The amount of income
tax expense we incur is influenced by the amounts of our <FONT STYLE="white-space:nowrap">pre-tax</FONT> income, <FONT STYLE="white-space:nowrap">tax-exempt</FONT> income and other nondeductible expenses. Deferred tax assets and liabilities are
reflected at current income tax rates in effect for the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted
through the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">89 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
provision for income taxes. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be realized. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">For the years ended December&nbsp;31, 2016, 2015, and 2014, income tax expense totaled $4.7&nbsp;million, $4.4&nbsp;million, and
$4.0&nbsp;million, respectively. Our effective tax rate for the years ended December&nbsp;31, 2016, 2015 and 2014 was 28.0%, 30.1%, and 29.3%, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Financial Condition </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our total assets
increased $145.7&nbsp;million, or 8.7%, from $1.7&nbsp;billion as of December&nbsp;31, 2015 to $1.8&nbsp;billion as of December&nbsp;31, 2016. Total assets increased $348.6&nbsp;million, or 26.1%, as of December&nbsp;31, 2015 from $1.3&nbsp;billion
as of December&nbsp;31, 2014. Our asset growth in 2014 was primarily due to maturity and growth of banking locations established in Bryan/College Station and Longview during 2013 and our acquisition of The First State Bank, Hallsville, Texas in July
2013. Our asset growth in 2015 was primarily due to a combination of organic growth and our acquisition of DCB Financial in March 2015 and Texas Leadership Bank in April of 2015, as well as the opening of one <I>de novo</I> branch in 2015. Our
growth in 2016 was achieved primarily through organic growth in our traditional East Texas market and our newer Bryan/College Station and Dallas/Fort Worth metroplex locations by enhancing our lending and deposit relationships with existing
customers and attracting new customers, as well as cross-selling our deposit and treasury management products. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Loan Portfolio </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our primary source of income is derived through interest earned on loans to small- to <FONT STYLE="white-space:nowrap">medium-sized</FONT>
businesses, commercial companies, professionals and individuals located in our primary market areas. A substantial portion of our loan portfolio consists of commercial and industrial loans and real estate loans secured by commercial real estate
properties located in our primary market areas. Our loan portfolio represents the highest yielding component of our earning asset base. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, total loans were $1.2&nbsp;billion, an increase of $176.5&nbsp;million, or 16.5%, compared to $1.1&nbsp;billion
as of December&nbsp;31, 2015. Total loans as of December&nbsp;31, 2015 represented an increase of $280.4&nbsp;million, or 35.6%, compared to $788.2&nbsp;million as of December&nbsp;31, 2014. These increases were primarily due to our continued
organic growth in our primary market areas, new locations opened or acquired in the Dallas/Fort Worth metroplex and Bryan/College Station, and our acquisitions of DCB Financial in March 2015 and Texas Leadership Bank in April 2015. In addition to
these amounts, $2.6&nbsp;million, $3.9&nbsp;million and $3.9&nbsp;million in loans were classified as held for sale as of December&nbsp;31, 2016, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Total loans, excluding loans held for sale, as a percentage of deposits were 78.97%, 72.89% and 73.20% as of December&nbsp;31, 2016, 2015 and
2014, respectively. Total loans, excluding loans held for sale, as a percentage of assets were 68.2%, 63.7% and 59.4% as of December&nbsp;31, 2016, 2015 and December&nbsp;31, 2014, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table summarizes our loan portfolio by type of loan as of the dates indicated: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.98%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.02%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">139,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">140,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.10%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">124,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.93%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.39%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.49%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.83%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,189</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,210</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.21%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.01%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.46%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.70%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.96%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">247,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.40%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.78%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203,566</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.46%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.09%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.84%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.05%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,274</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,398</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.62%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.23%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">205,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.04%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170,061</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.32%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,174</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.38%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,822</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.80%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.70%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,426</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.49%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.99%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.52%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.83%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.94%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,672</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.10%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total loans held for investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">699,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">627,088</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,915</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">90 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Commercial and Industrial Loans</I>.&nbsp;&nbsp;Commercial and industrial loans are
underwritten after evaluating and understanding the borrower&#146;s ability to operate profitably and effectively. These loans are primarily made based on the identified cash flows of the borrower, and secondarily, on the underlying collateral
provided by the borrower. Most commercial and industrial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and generally include personal guarantees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Commercial and industrial loans increased $42.1&nbsp;million, or 23.1%, to $224.0&nbsp;million as of December&nbsp;31, 2016 from
$181.9&nbsp;million as of December&nbsp;31, 2015. The increase was due to organic growth, particularly in our Bryan/College Station and Dallas/Fort Worth metroplex markets. Commercial and industrial loans as of December&nbsp;31, 2015 represented an
increase of $42.3&nbsp;million, or 30.3%, from $139.6&nbsp;million as of December&nbsp;31, 2014. The increase was driven by the acquisitions of DCB Financial and Texas Leadership Bank which resulted in 88.4% of the growth in this category, as well
as continued organic growth in our existing markets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Construction and Development</I>.&nbsp;&nbsp;Construction and land development
loans are comprised of loans to fund construction, land acquisition and land development construction. The properties securing the portfolio are located throughout Texas and are generally diverse in terms of type. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Construction and development loans increased $6.6&nbsp;million, or 5.4%, to $129.4&nbsp;million as of December&nbsp;31, 2016 from
$122.7&nbsp;million as of December&nbsp;31, 2015. The increase resulted from continued organic growth, especially in our Dallas/Fort Worth metroplex and Bryan/College Station markets. Construction and development loans as of December&nbsp;31, 2015
represented an increase of $45.3&nbsp;million, or 58.4%, from $77.5&nbsp;million as of December&nbsp;31, 2014. The increase primarily resulted from the acquisitions of DCB Financial and Texas Leadership Bank, as well as increases in market demand
and our decision to seek a larger volume of such loans due to our belief that our loan portfolio was sufficiently diverse to sustain them. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>1-4 Family Residential</I>.&nbsp;&nbsp;Our<I> </I><FONT STYLE="white-space:nowrap">1-4</FONT> family residential loan portfolio is
comprised of loans secured by <FONT STYLE="white-space:nowrap">1-4</FONT> family homes, which are both owner occupied and investor owned. Our <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loans have a relatively small balance spread
between many individual borrowers compared to our other loan categories. Our <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loans increased $49.5&nbsp;million, or 15.8%, to $363.0&nbsp;million as of December&nbsp;31, 2016 from
$313.4&nbsp;million as of December&nbsp;31, 2015. This increase primarily was a result of continued organic growth. Our <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loans as of December&nbsp;31, 2015 represented an increase of
$65.9&nbsp;million, or 26.6%, from $247.5&nbsp;million as of December&nbsp;31, 2014. This growth primarily was a result of the acquisitions of DCB Financial and Texas Leadership Bank as well as continued organic growth in our existing markets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Commercial Real Estate</I>.&nbsp;&nbsp;Commercial real estate loans are underwritten primarily based on projected cash flows and,
secondarily, as loans secured by real estate. These loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the portfolio are located primarily throughout our markets and are
generally diverse in terms of type. This diversity helps reduce the exposure to adverse economic events that affect any single industry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Commercial real estate loans increased $66.0&nbsp;million, or 21.9%, to $367.7&nbsp;million as of December&nbsp;31, 2016 from
$301.7&nbsp;million as of December&nbsp;31, 2015. The increase in commercial real estate loans during this period was mostly driven by a general increase in lending activity, primarily in our Dallas/Fort Worth metroplex and Bryan/College Station
markets. Commercial real estate loans as of December&nbsp;31, 2015 represented an increase of $96.5&nbsp;million, or 47.0%, from $205.2&nbsp;million as of December&nbsp;31, 2014. This increase in commercial real estate loans during this period was
due to our acquisition of DCB Financial and Texas Leadership Bank as well as a general increase in lending activity in the Bryan/College Station market.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Other Loan Categories</I>.&nbsp;&nbsp;Other categories of loans included in our loan portfolio include farmland and agricultural loans made
to farmers and ranchers relating to their operations, multi-family residential loans and consumer loans. None of these categories of loans represents a significant portion of our total loan portfolio. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">91 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The contractual maturity ranges of loans in our loan portfolio and the amount of such loans with
fixed and floating interest rates in each maturity range as of date indicated are summarized in the following tables: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD ROWSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Year<BR>or&nbsp;Less</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Through<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">103,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89,827</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70,645</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,796</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308,644</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,564</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,398</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,822</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,627</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">263,976</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">253,915</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">727,244</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with fixed rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">197,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">195,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with floating rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">66,032</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">58,312</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">644,277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">768,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD ROWSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Year<BR>or Less</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Through<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">58,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,448</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,631</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,547</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">267,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,697</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,638</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,034</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">209,737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">222,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">636,460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with fixed rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">167,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">86,755</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">416,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with floating rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">47,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">54,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">549,705</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">652,149</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD ROWSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Year<BR>or&nbsp;Less</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>One&nbsp;Through<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After<BR>Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50,902</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">51,233</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">139,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,643</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,341</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,909</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222,698</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">247,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,022</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,880</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,826</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156,156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">205,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">306</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">138,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">490,001</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with fixed rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110,353</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">119,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">292,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Amounts with floating rates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,798</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">427,242</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">495,446</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">92 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Nonperforming Assets </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due.
Loans are placed on nonaccrual status when, in management&#146;s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on nonaccrual status
regardless of whether or not such loans are considered past due. In general, we place loans on nonaccrual status when they become 90 days past due. We also place loans on nonaccrual status if they are less than 90 days past due if the collection of
principal or interest is in doubt. When interest accrual is discontinued, all unpaid accrued interest is reversed from income. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans
are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are, in management&#146;s opinion, reasonably assured. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe our conservative lending approach and focused management of nonperforming assets has resulted in sound asset quality and timely
resolution of problem assets. We have several procedures in place to assist us in maintaining the overall quality of our loan portfolio. We have established underwriting guidelines to be followed by our bankers, and we also monitor our delinquency
levels for any negative or adverse trends. There can be no assurance, however, that our loan portfolio will not become subject to increasing pressures from deteriorating borrower credit due to general economic conditions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We had $6.1&nbsp;million in nonperforming assets as of December&nbsp;31, 2016, compared to $4.1&nbsp;million and $4.9&nbsp;million as of
December&nbsp;31, 2015 and 2014, respectively. We had $4.4&nbsp;million in nonperforming loans as of December&nbsp;31, 2016, compared to $2.4&nbsp;million and $4.1&nbsp;million as of December&nbsp;31, 2015 and 2014, respectively. The
$2.0&nbsp;million increase in our nonperforming loans from December&nbsp;31, 2015 to December&nbsp;31, 2016 primarily relates to the downgrade of one loan relationship in the amount of $1.2&nbsp;million that was previously classified as accrual in
accordance with the terms of our loan policy. The following table presents information regarding nonperforming loans at the dates indicated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Nonaccrual loans<SUP STYLE="font-size:85%; vertical-align:top"> </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,409&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,431&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,077&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,233&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,906&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Accruing loans 90 or more days past due</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total nonperforming loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,409&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,431&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,077&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,233&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,906&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Other real estate owned:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial real estate, construction and development, and farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,074&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,075&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">604&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">744&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">618&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">618&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">742&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">758&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">725&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,692&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,693&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">812&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,362&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,469&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total nonperforming assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,101&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,124&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,889&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,595&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,375&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Restructured loans-nonaccrual</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">685&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">877&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,081&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Restructured loans-accruing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">415&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,541&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,574&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,422&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,937&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Ratio of nonperforming loans to total
loans<SUP STYLE="font-size:85%; vertical-align:top">(1)(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.52%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.03%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.78%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Ratio of nonperforming assets to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.69%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.55%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">93 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Nonaccrual loans by category:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,825&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"> -&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">173&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">692&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,699&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,829&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,614&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,840&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,682&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">415&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">672&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,372&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">436&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">507&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">707&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">810&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">192&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">307&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">433&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">142&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">304&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,409&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,431&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,077&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,233&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,906&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Excludes loans held for sale of $2.6&nbsp;million, $3.9&nbsp;million, $3.9&nbsp;million, $7.1&nbsp;million and $9.4&nbsp;million for the years ended December&nbsp;31 2016, 2015, 2014, 2013 and 2012, respectively.
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Restructured loans-nonaccrual are included in nonaccrual loans which are a component of nonperforming loans. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Potential Problem Loans </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From a credit
risk standpoint, we classify loans in one of five categories: pass, special mention, substandard, doubtful or loss. Within the pass category, we classify loans into one of the following four subcategories based on perceived credit risk, including
repayment capacity and collateral security: superior, excellent, good and acceptable. The classifications of loans reflect a judgment about the risks of default and loss associated with the loan. We review the ratings on credits monthly. Ratings are
adjusted to reflect the degree of risk and loss that is believed to be inherent in each credit as of each monthly reporting period. Our methodology is structured so that specific reserve allocations are increased in accordance with deterioration in
credit quality (and a corresponding increase in risk and loss) or decreased in accordance with improvement in credit quality (and a corresponding decrease in risk and loss). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Credits rated special mention show clear signs of financial weaknesses or deterioration in creditworthiness; however, such concerns are not so
pronounced that we generally expect to experience significant loss within the short-term. Such credits typically maintain the ability to perform within standard credit terms and credit exposure is not as prominent as credits with a lower rating.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Credits rated substandard are those in which the normal repayment of principal and interest may be, or has been, jeopardized by reason of
adverse trends or developments of a financial, managerial, economic or political nature, or important weaknesses which exist in collateral. A protracted workout on these credits is a distinct possibility. Prompt corrective action is therefore
required to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits and a serious evaluation of the secondary support to the credit is performed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Credits rated as doubtful have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or
liquidation in full questionable and there is a high probability of loss based on currently existing facts, conditions and values. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Credits rated as loss are <FONT STYLE="white-space:nowrap">charged-off.</FONT> We have no expectation of the recovery of any payments in
respect of credits rated as loss. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">94 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table summarizes the internal ratings of our loans as of the dates indicated. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pass&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Special<BR>&nbsp;&nbsp;&nbsp;&nbsp;Mention&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Substandard&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Doubtful&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loss&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,537</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">401</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,311</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">208</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">360,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,927</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,648</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,822</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,218,456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pass&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Special<BR>&nbsp;&nbsp;&nbsp;&nbsp;Mention&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Substandard&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Doubtful&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loss&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">730</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,448</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">271</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">438</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,031,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;274</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="24"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pass&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Special<BR>&nbsp;&nbsp;&nbsp;&nbsp;Mention&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;Substandard&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Doubtful&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loss&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">77,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">77,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235,141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">247,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.14em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,819</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">205,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">434</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">762,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,862</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;382</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;788,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Allowance for Loan Losses </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We maintain an allowance for loan losses that represents management&#146;s best estimate of the loan losses and risks inherent in our loan
portfolio. The amount of the allowance for loan losses should not be interpreted as an indication that charge-offs in future periods will necessarily occur in those amounts, or at all. In determining the allowance for loan losses, we estimate losses
on specific loans, or groups of loans, where the probable loss can be identified and reasonably determined. The balance of the allowance for loan losses is based on internally assigned risk classifications of loans, historical loan loss rates,
changes in the nature of our loan portfolio, overall portfolio quality, industry concentrations, delinquency trends, current economic factors and the estimated impact of current economic conditions on certain historical loan loss rates. Please see
&#147;&#151;&nbsp;Critical Accounting Policies&#151;Allowance for Loan Losses.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">95 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In connection with the review of our loan portfolio, we consider risk elements attributable to
particular loan types or categories in assessing the quality of individual loans. Some of the risk elements we consider include: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">for commercial and industrial loans, the debt service coverage ratio (income from the business in excess of operating expenses compared to loan repayment requirements), the operating results of the commercial,
industrial or professional enterprise, the borrower&#146;s business, professional and financial ability and expertise, the specific risks and volatility of income and operating results typical for businesses in that category and the value, nature
and marketability of collateral; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">for commercial mortgage loans and multifamily residential loans, the debt service coverage ratio, operating results of the owner in the case of owner occupied properties, the loan to value ratio, the age and condition
of the collateral and the volatility of income, property value and future operating results typical of properties of that type; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">for <FONT STYLE="white-space:nowrap">1-4</FONT> family residential mortgage loans, the borrower&#146;s ability to repay the loan, including a consideration of the debt to income ratio and employment and income
stability, the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">loan-to-value</FONT></FONT> ratio, and the age, condition and marketability of the collateral; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">for construction and development loans, the perceived feasibility of the project including the ability to sell developed lots or improvements constructed for resale or the ability to lease property constructed for
lease, the quality and nature of contracts for presale or prelease, if any, experience and ability of the developer and loan to value ratio. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, the allowance for loan losses totaled $11.5&nbsp;million, or 0.92%, of total loans. As of December&nbsp;31,
2015, the allowance for loan losses totaled $9.3&nbsp;million, or 0.87%, of total loans. As of December&nbsp;31, 2014, the allowance for loan losses totaled $7.7&nbsp;million, or 0.98%, of total loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">96 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents, as of and for the periods indicated, an analysis of the allowance
for loan losses and other related data: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Average loans outstanding<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,179,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;991,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;738,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;659,334</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;617,076</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Gross loans outstanding at end of period<SUP STYLE="font-size:85%; vertical-align:top">(2)
</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">699,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">627,088</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Allowance for loan losses at beginning of the period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,978</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Charge offs:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real Estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">165</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,213</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agriculture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">233</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">259</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,762</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">913</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">956</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Recoveries:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Real Estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Agriculture</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">343</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">280</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Net charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">633</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,006</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">688</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Allowance for loan losses at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Ratio of allowance to end of period
loans<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Ratio of net charge-offs to average
loans<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Includes average outstanding balances of loans held for sale of $3.0&nbsp;million, $4.4&nbsp;million, $4.2&nbsp;million, $6.3&nbsp;million and $5.9&nbsp;million for the years ended December&nbsp;31 2016, 2015, 2014,
2013 and 2012, respectively. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Excludes loans held for sale of $2.6&nbsp;million, $3.9&nbsp;million, $3.9&nbsp;million, $7.1&nbsp;million and $9.4&nbsp;million for the years ended December&nbsp;31 2016, 2015, 2014, 2013 and 2012, respectively.
</TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe the successful execution of our expansion strategy through organic growth and strategic acquisitions is
generally demonstrated by the upward trend in loan balances from December&nbsp;31, 2012 to December&nbsp;31, 2016. Loan balances, excluding loans held for sale, increased from $627.1&nbsp;million as of December&nbsp;31, 2012, to $1.2&nbsp;billion as
of December&nbsp;31, 2016. Net charge-offs have been minimal, representing on average 0.11% of average loan balances during the same period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Although we believe that we have established our allowance for loan losses in accordance with GAAP and that the allowance for loan losses was
adequate to provide for known and inherent losses in the portfolio at all times shown above, future provisions for loan losses will be subject to ongoing evaluations of the risks in our loan portfolio. If our primary market areas experience economic
declines, if asset quality deteriorates or if we are successful in growing the size of our loan portfolio, our allowance could become inadequate and material additional provisions for loan losses could be required. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table shows the allocation of the allowance for loan losses among loan categories and certain other information as of the dates
indicated. The allocation of the allowance for loan losses as shown in the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">97 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
table should neither be interpreted as an indication of future charge-offs, nor as an indication that charge-offs in future periods will necessarily occur in these amounts or in the indicated
proportions. The total allowance is available to absorb losses from any loan category. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B><br><B>to Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent</B><br><B>to Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;</B><br><B>to Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;</B><br><B>to Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;</B><br><B>to Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.75em; text-indent:-0.88em; font-size:8pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.11%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.84%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.97%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.48%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.75em; text-indent:-0.88em; font-size:8pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.20%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.32%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.01%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.36%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">190</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.99%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.75em; text-indent:-0.88em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.48%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30.65%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.02%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.76%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.75em; text-indent:-0.88em; font-size:8pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.51%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.16%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.75em; text-indent:-0.88em; font-size:8pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.42%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.74%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,386</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.81%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.66%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72.06%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,499</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.86%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.26%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.08%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.61%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">591</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">573</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.93%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.22%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.21%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.49%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.77%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.88%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Securities </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We use our securities portfolio to provide a source of liquidity, provide an appropriate return on funds invested, manage interest rate risk,
meet collateral requirements and meet regulatory capital requirements. As of December&nbsp;31, 2016, the carrying amount of our investment securities totaled $346.3&nbsp;million, a decrease of $51.7&nbsp;million, or 13.0%, compared to
$398.0&nbsp;million as of December&nbsp;31, 2015. The decrease was due primarily to the sale of certain <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">available-for-sale</FONT></FONT> securities and the use of proceeds from
maturing securities to fund increases in the loan portfolio. The carrying amount of our investment securities as of December&nbsp;31, 2015 represented an increase of $39.9&nbsp;million, or 11.1%, compared to $358.1&nbsp;million as of
December&nbsp;31, 2014. The increases in investment securities were funded primarily from increases in deposits. Investment securities represented 18.9%, 23.7% and 26.9% of total assets as of December&nbsp;31, 2016, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our investment portfolio consists of securities classified as available for sale and held to maturity. As of December&nbsp;31, 2016,
securities available for sale and securities held to maturity totaled $156.9&nbsp;million and $189.4&nbsp;million, respectively. As of December&nbsp;31, 2015, securities available for sale and securities in held to maturity totaled
$272.9&nbsp;million and $125.0&nbsp;million, respectively, and as of December&nbsp;31, 2014, $227.0&nbsp;million and $131.1&nbsp;million, respectively. Held to maturity percentages were 54.7% as of December&nbsp;31, 2016, 31.4% as of
December&nbsp;31, 2015, and 36.6% at December&nbsp;31, 2014. While we generally seek to maintain 50.0% or less of our portfolio in held to maturity securities, the Company has the intent and ability to hold its held to maturity securities until
maturity or call and the current policy exception was approved by our board of directors. The carrying values of our investment securities classified as available for sale are adjusted for unrealized gain or loss, and any gain or loss is reported on
an <FONT STYLE="white-space:nowrap">after-tax</FONT> basis as a component of other comprehensive income in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">98 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
shareholders&#146; equity. The following table summarizes the amortized cost and estimated fair value of our investment securities as of the dates shown: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Amortized&nbsp;&nbsp;<BR>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Fair&nbsp;Value&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,254&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">377&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,883&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157,261&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">901&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,511&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153,651&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,748&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">318&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,898&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88,168&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,290&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">275&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,187&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,378&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.94em; font-size:8.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;349,553&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,500&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,973&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;343,080&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Amortized&nbsp;&nbsp;<BR>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Fair&nbsp;Value&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,158&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">121&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,279&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,399&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">412&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,987&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67,350&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,384&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,716&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145,686&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">484&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,969&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144,201&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,490&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">564&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,466&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123,588&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.94em; font-size:8.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;401,068&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,553&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,865&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;400,756&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Amortized&nbsp;&nbsp;<BR>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Gross<BR>&nbsp;&nbsp;Unrealized&nbsp;&nbsp;<BR>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;Fair&nbsp;Value&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,132&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">70&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,202&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,498&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,185&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">183&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,500&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp; </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235,455&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">803&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,816&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">234,442&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,869&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">640&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">760&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,749&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.94em; font-size:8.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;359,954&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,698&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,759&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;359,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We do not hold any Fannie Mae or Freddie Mac preferred stock, collateralized debt obligations, structured
investment vehicles or second lien elements in our investment portfolio. As of December&nbsp;31, 2016, our investment portfolio did not contain any securities that are directly backed by subprime or <FONT STYLE="white-space:nowrap">Alt-A</FONT>
mortgages. The Bank owns no <FONT STYLE="white-space:nowrap">non-U.S.</FONT> agency mortgage-backed securities and only one <FONT STYLE="white-space:nowrap">non-U.S.</FONT> agency corporate collateralized mortgage obligation, which is categorized as
held to maturity and had a $2.9&nbsp;million carrying value as of December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our management evaluates securities for
other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. In 2013, we recognized other-than-temporary impairment with respect to the <FONT
STYLE="white-space:nowrap">non-U.S.</FONT> agency corporate collateralized mortgage </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">99 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
obligation that we hold. As of December&nbsp;31, 2016, $324,495 of other-than-temporary impairment was recorded with a $2.9&nbsp;million carrying value with respect to this security. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table sets forth the amortized cost of held to maturity securities and the fair value of available for sale securities,
maturities and approximated weighted average yield based on estimated annual income divided by the average amortized cost of our securities portfolio as of the dates indicated. The contractual maturity of a mortgage-backed security is the date at
which the last underlying mortgage matures. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Within One</B><br><B>Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;One&nbsp;Year<BR>but</B><br><B>Within&nbsp;Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;Five&nbsp;Years<BR>but</B><br><B>Within&nbsp;Ten&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After Ten</B><br><B>Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$17,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$24,883</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">732</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.58</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.02</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">88,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,668</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">76,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;732</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">115,271</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">96,341</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">133,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">346,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.97</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Within One</B><br><B>Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;One&nbsp;Year<BR>but</B><br><B>Within&nbsp;Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;Five&nbsp;Years</B><br><B>but</B><br><B>Within&nbsp;Ten&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After Ten</B><br><B>Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$5,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,152</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">67,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104,532</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.07</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,343</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">143,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">123,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.46</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">205,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">107,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">53,136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.59</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">397,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Within One<BR>Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;One&nbsp;Year</B><br><B>but</B><br><B>Within&nbsp;Five&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After Five Years</B><br><B>but</B><br><B>Within&nbsp;Ten&nbsp;Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;Ten<BR>Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,001</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.55</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,626</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.31</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112,199</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.42</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">233,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.31</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">566</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,390</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,702</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.59</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">57,658</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,567</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">150,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">358,090</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The contractual maturity of mortgage-backed securities and collateralized mortgage obligations is not a
reliable indicator of their expected life because borrowers have the right to prepay their obligations at any time. Mortgage-backed securities and collateralized mortgage obligations are typically issued with stated principal amounts and are backed
by pools of mortgage loans and other loans with varying maturities. The term of the underlying mortgages and loans may vary significantly due to the ability of a borrower to prepay. Monthly pay downs on mortgage-backed securities tend to cause the
average life of the securities to be much different than the stated contractual maturity. During a period of increasing interest rates, fixed rate mortgage-backed securities do not tend to experience heavy prepayments of principal, and,
consequently, the average life of this security is typically lengthened. If interest rates begin to fall, prepayments may increase, thereby shortening the estimated </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">100 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
life of this security. The weighted average life of our investment portfolio was 8.06 years with an estimated effective duration of 5.31 years as of December&nbsp;31, 2016. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, 2015 and 2014, respectively, we did not own securities of any one issuer, other than the U.S. government and its
agencies, for which aggregate adjusted cost exceeded 10.0% of the consolidated shareholders&#146; equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The average yield of our
securities portfolio was 2.97% for the year ended December&nbsp;31, 2016 compared to 2.43% and 2.64% for the years ended December&nbsp;31, 2015 and 2014, respectively. The increase in average yield during the year ended December&nbsp;31, 2016,
compared to the year ended December&nbsp;31, 2015, was primarily due to increase in municipal securities as a percentage of the portfolio, as municipal securities typically have a higher yield than do the other types of investment securities we
hold. Municipal securities increased from $67.3&nbsp;million at a yield of 3.74%, as of December&nbsp;31, 2015, to $156.6&nbsp;million at a yield of 3.58%, as of December&nbsp;31, 2016, representing 45.2% and 16.9% of the total investment portfolio
as of December&nbsp;31, 2016 and 2015, respectively. The decrease in average yield during the year ended December&nbsp;31, 2015, compared to the year ended December&nbsp;31, 2014, resulted primarily from a decrease in the average yields paid on
mortgage-backed securities and collateralized mortgage obligations of 0.13% and 0.32%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Deposits </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We offer a variety of deposit products, which have a wide range of interest rates and terms, including demand, savings, money market and time
accounts. We rely primarily on competitive pricing policies, convenient locations and personalized service to attract and retain these deposits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Average deposits for the year ended December&nbsp;31, 2016 were $1.52&nbsp;billion, an increase of $249.6&nbsp;million, or 19.7%, over
$1.27&nbsp;billion for the year ended December&nbsp;31, 2015, primarily due to our continued growth in our primary market areas and the increase in commercial lending relationships for which we also seek deposit balances. Average deposits grew
$233.7&nbsp;million, or 22.6%, from $1.03&nbsp;billion for the year ended December&nbsp;31, 2014, primarily related to the $159.9&nbsp;million in deposits acquired in connection with our acquisition of DCB Financial in March of 2015 and Texas
Leadership Bank in April of 2015, as well as organic growth. The average rate paid on total interest-bearing deposits increased over this period from 0.58%, to 0.68% and to 0.77% for the years ended December&nbsp;31, 2014, 2015 and 2016,
respectively. The increase in average rates for 2015 and 2016 was driven primarily by the increase in our money market balances and average rates on money market accounts, a strategic decision in order to grow core deposits in our newer markets, as
well as the Federal Reserve raising market interest rates 0.5% during the year ended December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents
the average balances and average rates paid on deposits for the periods indicated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For the Years Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Average<BR>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$&nbsp;&nbsp;&nbsp;278,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.32%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$&nbsp;&nbsp;&nbsp;238,902</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$&nbsp;&nbsp;&nbsp;220,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,425</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.10%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Money market accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">482,089</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.97%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">318,934</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.75%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates and other time deposits &gt; $100k</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211,924</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.95%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates and other time deposits &lt; $100k</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">130,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.91%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.85%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,771</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.83%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,175,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">964,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">796,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.58%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing demand accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">340,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$1,515,760</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$1,266,188</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.52%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$1,032,454</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.44%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">101 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The ratio of average noninterest-bearing deposits to average total deposits for the years ended
December&nbsp;31, 2016, 2015 and 2014 was 22.45%, 23.79% and 22.88%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Total deposits as of December&nbsp;31, 2016 were
$1.58&nbsp;billion, an increase of $110.6&nbsp;million, or 7.54%, compared to $1.47&nbsp;billion as of December&nbsp;31, 2015. Total deposits as of December&nbsp;31, 2015 increased $389.4&nbsp;million, or 36.2%, compared to $1.08&nbsp;billion as of
December&nbsp;31, 2014, due primarily to the deposits acquired in connection with our acquisition of DCB Financial and Texas Leadership Bank, as well as a 21.3% increase in organic growth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Noninterest-bearing deposits as of December&nbsp;31, 2016 were $358.8&nbsp;million compared to $325.6&nbsp;million as of December&nbsp;31,
2015, an increase of $33.2&nbsp;million, or 10.2%. The December&nbsp;31, 2015 balance for noninterest-bearing deposits represented an increase of $75.3&nbsp;million, or 30.1%, compared to $250.2&nbsp;million as of December&nbsp;31, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Total savings and interest-bearing demand account balances as of December&nbsp;31, 2016 were $876.4&nbsp;million compared to
$786.5&nbsp;million as of December&nbsp;31, 2015, an increase of $89.9&nbsp;million, or 11.4%. The December&nbsp;31, 2015 balance for total savings and interest-bearing demand accounts represented an increase of $261.4&nbsp;million, or 49.8%,
compared to $525.1&nbsp;million as of December&nbsp;31, 2014. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Total certificate of deposit balances as of December&nbsp;31, 2016, were
$341.6&nbsp;million, a decrease of $12.5&nbsp;million, or 3.5%, from the total certificate deposit balances of $354.1&nbsp;million as of December&nbsp;31, 2015. The total certificate of deposit balances as of December&nbsp;31, 2015, represented an
increase of $52.7&nbsp;million, or 17.5% compared to the total certificate of deposit balances as of December&nbsp;31, 2014, which were $301.4&nbsp;million. The following table sets forth the amount of certificates of deposit by time remaining until
maturity as of December&nbsp;31, 2016 and 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>December&nbsp;31,<BR>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>December&nbsp;31,<BR>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three months or less</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">69,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">78,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Over three months through six months</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,818</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Over six months through 12 months</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Over 12 months through three years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,766</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Over three years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">341,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">354,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Factors affecting the cost of funding interest-bearing assets include the volume of noninterest- and
interest-bearing deposits, changes in market interest rates and economic conditions in our primary market areas and their impact on interest paid on deposits, as well as the ongoing execution of our balance sheet management strategy. Cost of funds
is calculated as total interest expense divided by average total deposits plus average total borrowings. Our cost of funds was 0.85%, 0.75% and 0.67% in 2016, 2015 and 2014, respectively. The increase in our cost of funds for 2016 and 2015 was
primarily due to an increase in our average rates on interest-bearing deposits, which were 0.77% in 2016 and 0.68% in 2015. This increase is primarily due to both an increase in the proportion of our deposits consisting of higher cost money market
accounts offered in our newer markets from 21.0% of our total deposits in 2014 to 25.2% and 31.8% in 2015 and 2016, respectively, and an increase in the average rates offered on those deposits from 0.47% in 2014 to 0.75% and 0.97% in 2015 and 2016,
respectively, which were part of our expansion strategy during this time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Borrowings </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We utilize short-term and long-term borrowings to supplement deposits to fund our lending and investment activities, each of which is
discussed below. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">102 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Federal Home Loan Bank (FHLB) Advances</I>.&nbsp;&nbsp;The FHLB allows us to borrow on a
blanket floating lien status collateralized by certain securities and loans. As of December&nbsp;31, 2016, 2015 and 2014, total borrowing capacity of $400.4&nbsp;million, $330.1&nbsp;million and $229.3&nbsp;million, respectively, was available under
this arrangement Our outstanding FHLB advances mature within five years. As of December&nbsp;31, 2016, approximately $952.9&nbsp;million in real estate loans were pledged as collateral for our FHLB borrowings. We utilize these borrowings to meet
liquidity needs and to fund certain fixed rate loans in our portfolio. The following table presents our FHLB borrowings as of the dates indicated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>FHLB<BR>&nbsp;&nbsp;&nbsp;&nbsp;Advances&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(Dollars in<BR>Thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amount outstanding at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum <FONT STYLE="white-space:nowrap">month-end</FONT> balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">106,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average balance outstanding during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amount outstanding at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum <FONT STYLE="white-space:nowrap">month-end</FONT> balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,523</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average balance outstanding during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">104,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.67</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amount outstanding at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum <FONT STYLE="white-space:nowrap">month-end</FONT> balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average balance outstanding during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">98,293</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.72</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Federal Reserve Bank of Dallas</I>.&nbsp;&nbsp;The Federal Reserve Bank of Dallas has an available borrower
in custody arrangement, which allows us to borrow on a collateralized basis. Certain commercial and industrial and consumer loans are pledged under this arrangement. We maintain this borrowing arrangement to meet liquidity needs pursuant to our
contingency funding plan. As of December&nbsp;31, 2016, 2015 and 2014, $168.3&nbsp;million, $145.9&nbsp;million, and $129.2&nbsp;million, respectively, were available under this arrangement. As of December&nbsp;31, 2016, approximately
$217.4&nbsp;million in consumer and commercial and industrial loans were pledged as collateral. As of December&nbsp;31, 2016, 2015 and 2014, no borrowings were outstanding under this arrangement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Other Borrowings. </I>The Company has historically used a line of credit with a correspondent bank as a source of funding for working
capital needs, the payment of dividends when there is a temporary timing difference in cash flows, and repurchases of equity securities. We had a $25.0&nbsp;million revolving line of credit with this correspondent bank set to mature in July 2016. In
May 2016, we renegotiated the loan agreement such that $15.0&nbsp;million was renewed as a revolving line of credit and $10.0&nbsp;million of the outstanding balance of the revolving line of credit was rolled into an amortizing note.&nbsp;In March
2017, we renegotiated the loan agreement such that the outstanding balance of our revolving line of credit and amortizing note was converted to a $25.0&nbsp;million unsecured revolving line of credit. The line of credit bears interest at the prime
rate plus 0.50%, with quarterly interest payments, and matures in March 2018. Under the terms of the line of credit, we have agreed not to pledge or grant a lien or security interest in the stock of the Bank or in any of our other assets without the
prior consent of the lender. As of the date of this prospectus, the outstanding balance on the line of credit was $19.9 million. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">103 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Liquidity and Capital Resources </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Liquidity </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Liquidity involves our
ability to raise funds to support asset growth and acquisitions or reduce assets to meet deposit withdrawals and other payment obligations, to maintain reserve requirements and otherwise to operate on an ongoing basis and manage unexpected events.
For the years ended December&nbsp;31, 2016, 2015 and 2014, liquidity needs were primarily met by core deposits, security and loan maturities and amortizing investment and loan portfolios. Although access to purchased funds from correspondent banks
and overnight advances from the FHLB and the Federal Reserve Bank of Dallas are available and have been utilized on occasion to take advantage of investment opportunities, we do not generally rely on these external funding sources. As of
December&nbsp;31, 2016, 2015 and 2014, we maintained three federal funds lines of credit with commercial banks that provide for the availability to borrow up to an aggregate&nbsp;$70.0&nbsp;million in federal funds. There were no funds under these
lines of credit outstanding as of December&nbsp;31, 2016, 2015 and 2014. In addition to these federal funds lines of credit, our $25.0&nbsp;million revolving line of credit discussed above provides an additional source of liquidity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table illustrates, during the periods presented, the composition of our funding sources and the average assets in which those
funds are invested as a percentage of average total assets for the period indicated. Average assets were $1.8&nbsp;billion for the year ended December&nbsp;31, 2016, $1.6&nbsp;billion for the year ended December&nbsp;31, 2015 and $1.3&nbsp;billion
for the year ended December&nbsp;31, 2014. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>For&nbsp;the&nbsp;Years&nbsp;Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2016&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Sources of Funds:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Noninterest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.42%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.57%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Interest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66.16%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.20%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.58%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Federal funds purchased .</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.01%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Advances from FHLB</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.71%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.73%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.74%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.40%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Subordinated denentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.91%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.73%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.72%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Consideration payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.24%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Accrued interest and other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.77%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.79%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Uses of Funds:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65.80%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.38%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57.47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.17%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.05%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.49%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.29%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.16%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.60%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Nonmarketable equity securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.48%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.48%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.51%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Federal funds sold</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.96%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.87%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.24em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Interest-bearing deposits in other banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.44%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.83%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Other noninterest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.86%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.23%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.29%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Average noninterest-bearing deposits to average deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.45%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.79%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.88%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.35em; text-indent:-2.12em; font-size:8.5pt; font-family:Times New Roman">Average loans to average deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.84%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78.34%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.53%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our primary source of funds is deposits, and our primary use of funds is loans. We do not expect a change in
the primary source or use of our funds in the foreseeable future. Our average loans, including average loans held </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">104 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
for sale, increased 19.0% for the year ended December&nbsp;31, 2016 compared to the same period in 2015, and 34.3% for the year ended December&nbsp;31, 2015 compared to the same period in 2014.
Our securities portfolio had a weighted average life of 8.06 years and an effective duration of 5.31 years as of December&nbsp;31, 2016, and a weighted average life of 5.07 years and an effective duration of 3.42 years as of December&nbsp;31, 2015.
We predominantly invest excess deposits in overnight deposits with our correspondent banks, federal funds sold, securities, interest-bearing deposits at other banks or other short-term liquid investments until needed to fund loan growth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, we had $297.6&nbsp;million in outstanding commitments to extend credit and $8.9&nbsp;million in commitments
associated with outstanding standby and commercial letters of credit. As of December&nbsp;31, 2015, we had $205.9&nbsp;million in outstanding commitments to extend credit and $6.6&nbsp;million in commitments associated with outstanding standby and
commercial letters of credit. Since commitments associated with letters of credit and commitments to extend credit may expire unused, the total outstanding may not necessarily reflect the actual future cash funding requirements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016 and 2015, we had no exposure to future cash requirements associated with known uncertainties or capital
expenditures of a material nature. As of December&nbsp;31, 2016, we had cash and cash equivalents of $127.5&nbsp;million, compared to $111.4&nbsp;million as of December&nbsp;31, 2015. The increase was primarily due to an increase in federal funds
sold of $10.7&nbsp;million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Capital Resources </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Total shareholders&#146; equity, including KSOP-owned shares, increased to $141.9&nbsp;million as of December&nbsp;31, 2016, compared to
$137.7&nbsp;million as of December&nbsp;31, 2015, an increase of $4.2&nbsp;million, or 3.0%, after giving effect to $4.6&nbsp;million in dividends paid to common shareholders in 2016. This increase was primarily the result of $12.1&nbsp;million in
net earnings for the period as well as the sale of 359,566 shares of treasury stock for $8.6&nbsp;million, partially offset by the dividends paid and the purchase of 509,086 shares of treasury stock for $12.2&nbsp;million. Total shareholders&#146;
equity, including KSOP-owned shares, increased to $137.7&nbsp;million as of December&nbsp;31, 2015, after giving effect to $4.5&nbsp;million in dividends paid to common shareholders in 2015, compared to $112.3&nbsp;million as of December&nbsp;31,
2014, after giving effect to $11.9&nbsp;million in dividends paid to shareholders in 2014, an increase of $25.4&nbsp;million, or 22.7%. This increase was primarily the result of $10.1&nbsp;million in net earnings for the period as well as the
acquisition of DCB Financial and Texas Leadership Bank in which shareholders received 923,133 and 280,160 shares of the Company&#146;s common stock, respectively, representing gross proceeds of $27.7&nbsp;million and the issuance of 315,922
additional shares of our common stock representing gross proceeds of $7.3&nbsp;million, partially offset by the purchase of 633,386 shares of treasury stock for $14.6&nbsp;million and dividends paid of $4.5&nbsp;million. Additionally, the
$11.9&nbsp;million in dividends paid to shareholders in 2014 included a special dividend of $1.00 per share, or $8.0&nbsp;million in the aggregate, in addition to the regular dividend of $0.50 per share, as dividends paid during the 12 months
following termination of our Subchapter S election were not subject to federal income tax. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Capital management consists of providing
equity and other instruments that qualify as regulatory capital to support current and future operations. Banking regulators view capital levels as important indicators of an institution&#146;s financial soundness. As a general matter, FDIC-insured
depository institutions and their holding companies are required to maintain minimum capital relative to the amount and types of assets they hold. We are subject to regulatory capital requirements at the bank holding company and bank levels. See
&#147;Regulation and Supervision&#151;Capital Adequacy Requirements&#148; for additional discussion regarding the regulatory capital requirements applicable to us and the Bank. As of December&nbsp;31, 2016 and 2015, the Company and the Bank were in
compliance with all applicable regulatory capital requirements, and the Bank was classified as &#147;well capitalized,&#148; for purposes of the prompt corrective action regulations. As we deploy our capital and continue to grow our operations, our
regulatory capital levels may decrease depending on our level of earnings. However, we expect to monitor and control our growth in order to remain in compliance with all regulatory capital standards applicable to us. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">105 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents the regulatory capital ratios for our Company and the Bank as of the
dates indicated. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>  <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;As&nbsp;of&nbsp;December&nbsp;31,&nbsp;2016&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;As&nbsp;of&nbsp;December&nbsp;31,&nbsp;2015&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"><B>Guaranty Bancshares, Inc.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Total capital (to risk weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;149,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;143,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital (to risk weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,480</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital (to average assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,480</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Common equity tier 1 risk-based capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Guaranty Bank&nbsp;&amp; Trust</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Total capital (to risk weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">173,528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital (to risk weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital (to average assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.95</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.67em; font-size:9pt; font-family:Times New Roman">Common equity tier 1 risk-based capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE></DIV>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Contractual Obligations </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have issued subordinated debentures relating to the issuance of trust preferred securities. In October 2002, we formed Guaranty (TX)
Capital Trust II, which issued $3.0&nbsp;million in trust preferred securities to a third party in a private placement. Concurrent with the issuance of the trust preferred securities, the trust issued common securities to the Company in the
aggregate liquidation value of $93,000. The trust invested the total proceeds from the sale of the trust preferred securities and the common securities in $3.1&nbsp;million of the Company&#146;s junior subordinated debentures, which will mature on
October&nbsp;30, 2032. In July 2006, we formed Guaranty (TX) Capital Trust III, which issued $2.0&nbsp;million in trust preferred securities to a third party in a private placement. Concurrent with the issuance of the trust preferred securities, the
trust issued common securities to the Company in the aggregate liquidation value of $62,000. The trust invested the total proceeds from the sale of the trust preferred securities and the common securities in $2.1&nbsp;million of the Company&#146;s
junior subordinated debentures, which will mature on October&nbsp;1, 2036. In March 2015, we acquired DCB Financial Trust I, which issued $5.0&nbsp;million in trust preferred securities to a third party in a private placement. Concurrent with the
issuance of the trust preferred securities, the trust issued common securities to the Company in the aggregate liquidation value of $155,000. The trust invested the total proceeds from the sale of the trust preferred securities and the common
securities in $5.2&nbsp;million of the Company&#146;s junior subordinated debentures, which will mature on June&nbsp;15, 2037. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">With
certain exceptions, the amount of the principal and any accrued and unpaid interest on the debentures are subordinated in right of payment to the prior payment in full of all senior indebtedness of the Company. The terms of the debentures are such
that they qualify as Tier 1 capital under the Federal Reserve&#146;s regulatory capital guidelines applicable to bank holding companies. Interest on Trust II Debentures is payable at a variable rate per annum, reset quarterly, equal to <FONT
STYLE="white-space:nowrap">3-month</FONT> LIBOR plus 3.35%, thereafter. Interest on the Trust III debentures was payable at a fixed rate per annum equal to 7.43% until October&nbsp;1, 2016 and is a variable rate per annum, reset quarterly, equal to <FONT
STYLE="white-space:nowrap">3-month</FONT> LIBOR plus 1.67%, thereafter. Interest on the DCB Financial Trust I debenture is payable at a variable rate per annum, reset quarterly, equal to <FONT STYLE="white-space:nowrap">3-month</FONT> LIBOR plus
1.80%. The interest is deferrable on a cumulative basis for up to five consecutive years following a suspension of dividend payments on all other capital stock. No principal payments are due until maturity for each of the debentures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On any interest payment date on or after June&nbsp;15, 2012, for the DCB Financial debentures, October&nbsp;30, 2012, for the Trust II
debentures, and October&nbsp;1, 2016, for the Trust III debentures, and before their maturity date, the debentures are redeemable, in whole or in part, for cash at the option of the Company on at least 30, but not more than 60, days&#146; notice at
a redemption price equal to 100% of the principal amount to be redeemed, plus accrued interest to the date of redemption. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">106 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Beginning in April 2013, the Company has from time to time issued subordinated debentures. All of
the debentures pay interest semi-annually and are redeemable before their maturity date at the Company&#146;s option, with 30 days&#146; notice to the holder, for a cash amount equal to the principal amount and all accrued interest. In April 2013,
the Company issued $4.0&nbsp;million in debentures, of which $1.0&nbsp;million were issued to directors and other related parties. During the years ended December&nbsp;31, 2015 and 2016, $2.0&nbsp;million of the debentures matured each year. The
debentures were issued in the principal amount of $500,000 each with rates ranging from 2.00% to 3.50% depending on maturity date, which ranged from April&nbsp;1, 2015 to October&nbsp;1, 2016. In July 2015, the Company issued $4.0&nbsp;million in
debentures, of which $3.0&nbsp;million were issued to directors and other related parties, which will mature in 2017, 2018, and 2019. The debentures were issued in the principal amount of $500,000, with rates ranging from 2.50% to 4.00% depending on
maturity date, which ranged from July&nbsp;1, 2017 to January&nbsp;1, 2019. In December 2015, the Company issued $5.0&nbsp;million in debentures, of which $2.5&nbsp;million were issued to directors and other related parties, which will mature in
2018, 2019, and 2020. The debentures were issued in the principal amount of $500,000 each with rates ranging from 3.00% to 5.00% depending on maturity date, which ranged from July&nbsp;1, 2018 to July&nbsp;1, 2020. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table summarizes contractual obligations and other commitments to make future payments as of December&nbsp;31, 2016 (other than <FONT
STYLE="white-space:nowrap">non-time</FONT> deposit obligations), which consist of future cash payments associated with our contractual obligations. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>&nbsp;&nbsp;1&nbsp;year&nbsp;or&nbsp;less&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>More than</B><br><B>1&nbsp;year&nbsp;but&nbsp;less<BR>&nbsp;&nbsp;than&nbsp;3&nbsp;years&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>3&nbsp;years&nbsp;or<BR>more&nbsp;but&nbsp;less<BR>&nbsp;&nbsp;than&nbsp;5&nbsp;years&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>5&nbsp;years&nbsp;or<BR>&nbsp;&nbsp;&nbsp;&nbsp;more&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">252,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">71,766&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">17,840&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">341,621&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Advances from FHLB</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,000&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,858&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,858&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,141&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,000&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,310&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;293,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;106,624&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;21,698&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;12,621&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;434,387&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><FONT STYLE="white-space:nowrap">Off-Balance</FONT> Sheet Items </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In the normal course of business, we enter into various transactions, which, in accordance with GAAP, are not included in our consolidated
balance sheets. We enter into these transactions to meet the financing needs of our customers. These transactions include commitments to extend credit and standby and commercial letters of credit, which involve, to varying degrees, elements of
credit risk and interest rate risk in excess of the amounts recognized in our consolidated balance sheets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our commitments associated
with outstanding standby and commercial letters of credit and commitments to extend credit expiring by period as of the date indicated are summarized below. Since commitments associated with letters of credit and commitments to extend credit may
expire unused, the amounts shown do not necessarily reflect the actual future cash funding requirements. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>1&nbsp;year&nbsp;or&nbsp;less</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>More than</B><br><B>1&nbsp;year&nbsp;but&nbsp;less<BR>than&nbsp;3&nbsp;years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>3&nbsp;years&nbsp;or<BR>more&nbsp;but&nbsp;less<BR>than 5 years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>5&nbsp;years&nbsp;or<BR>more</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7.5pt; font-family:Times New Roman">Standby and commercial letters of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,969&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,249&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,061&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,879&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7.5pt; font-family:Times New Roman">Commitments to extend credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,875&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,644&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,880&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,208&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">297,607&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:7.5pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;136,844&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;41,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;61,480&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;66,269&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;306,486&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">107 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Standby and commercial letters of credit are conditional commitments issued by us to guarantee
the performance of a customer to a third party. In the event of nonperformance by the customer, we have rights to the underlying collateral, which can include commercial real estate, physical plant and property, inventory, receivables, cash and/or
marketable securities. Our credit risk associated with issuing letters of credit is essentially the same as the risk involved in extending loan facilities to our customers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the
contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being fully drawn upon, the total commitment amounts disclosed
above do not necessarily represent future cash requirements. We evaluate each customer&#146;s creditworthiness on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">case-by-case</FONT></FONT> basis. The amount of collateral
obtained, if considered necessary by us, upon extension of credit, is based on management&#146;s credit evaluation of the customer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Rate
Sensitivity and Market Risk </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a financial institution, our primary component of market risk is interest rate volatility. Our asset
liability and funds management policy provides management with the guidelines for effective funds management, and we have established a measurement system for monitoring our net interest rate sensitivity position. We have historically managed our
sensitivity position within our established guidelines. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Fluctuations in interest rates will ultimately impact both the level of income
and expense recorded on most of our assets and liabilities, and the market value of all interest-earning assets and interest-bearing liabilities, other than those which have a short term to maturity. Interest rate risk is the potential of economic
losses due to future interest rate changes. These economic losses can be reflected as a loss of future net interest income and/or a loss of current fair market values. The objective is to measure the effect on net interest income and to adjust the
balance sheet to minimize the inherent risk while at the same time maximizing income. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We manage our exposure to interest rates by
structuring our balance sheet in the ordinary course of business. We do not enter into instruments such as leveraged derivatives, financial options, financial future contracts or forward delivery contracts for the purpose of reducing interest rate
risk. Based upon the nature of our operations, we are not subject to foreign exchange or commodity price risk. We do not own any trading assets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our exposure to interest rate risk is managed by the asset-liability committee of Guaranty Bank&nbsp;&amp; Trust, in accordance with policies
approved by its board of directors. The committee formulates strategies based on appropriate levels of interest rate risk. In determining the appropriate level of interest rate risk, the committee considers the impact on earnings and capital on the
current outlook on interest rates, potential changes in interest rates, regional economies, liquidity, business strategies and other factors. The committee meets regularly to review, among other things, the sensitivity of assets and liabilities to
interest rate changes, the book and market values of assets and liabilities, unrealized gains and losses, purchase and sale activities, commitments to originate loans and the maturities of investments and borrowings. Additionally, the committee
reviews liquidity, cash flow flexibility, maturities of deposits and consumer and commercial deposit activity. Management employs methodologies to manage interest rate risk, which include&nbsp;an analysis of relationships between interest-earning
assets and interest-bearing liabilities and an interest rate shock simulation model. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We use interest rate risk simulation models and
shock analyses to test the interest rate sensitivity of net interest income and fair value of equity, and the impact of changes in interest rates on other financial metrics. Contractual maturities and
<FONT STYLE="white-space:nowrap">re-pricing</FONT> opportunities of loans are incorporated in the model as are prepayment assumptions, maturity data and call options within the investment portfolio. Average life of
<FONT STYLE="white-space:nowrap">non-maturity</FONT> deposit accounts are based on standard regulatory decay assumptions and are incorporated into the model. The assumptions used are inherently uncertain and, as a result, the model cannot precisely
measure future net interest income or precisely predict the impact of fluctuations in market interest rates on net interest income. Actual </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">108 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
results will differ from the model&#146;s simulated results due to timing, magnitude and frequency of interest rate changes as well as changes in market conditions and the application and timing
of various management strategies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On a quarterly basis, we run two simulation models including a static balance sheet and dynamic growth
balance sheet. These models test the impact on net interest income and fair value of equity from changes in market interest rates under various scenarios. Under the static and dynamic growth models, rates are shocked instantaneously and ramped rate
changes over a twelve-month horizon based upon parallel and <FONT STYLE="white-space:nowrap">non-parallel</FONT> yield curve shifts. Parallel shock scenarios assume instantaneous parallel movements in the yield curve compared to a flat yield curve
scenario. <FONT STYLE="white-space:nowrap">Non-parallel</FONT> simulation involves analysis of interest income and expense under various changes in the shape of the yield curve. Our internal policy regarding internal rate risk simulations currently
specifies that for instantaneous parallel shifts of the yield curve, estimated net income at risk for the subsequent <FONT STYLE="white-space:nowrap">one-year</FONT> period should not decline by more than 15.0% for a 100 basis point shift, 20.0% for
a 200 basis point shift and 30.0% for a 300 basis point shift. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table summarizes the simulated change in net interest income
and fair value of equity over a <FONT STYLE="white-space:nowrap">12-month</FONT> horizon as of the dates indicated: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman"><B>Change in Interest</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman"><B>Rates (Basis
Points)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;Change<BR>in Net Interest<BR>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;Change<BR>in Fair Value of<BR>Equity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;Change<BR>in Net Interest<BR>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent&nbsp;Change<BR>in Fair Value of<BR>Equity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">+300</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.44%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18.99)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.48%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20.01)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">+200</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.42%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9.58)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.37%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11.26)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">+100</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.45)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4.44)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Base</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">-100</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.29)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1.80)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.07)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2.67)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The results are primarily due to behavior of demand, money market and savings deposits during such rate
fluctuations. We have found that, historically, interest rates on these deposits change more slowly than changes in the discount and federal funds rates. This assumption is incorporated into the simulation model and is generally not fully reflected
in a gap analysis. The assumptions incorporated into the model are inherently uncertain and, as a result, the model cannot precisely measure future net interest income or precisely predict the impact of fluctuations in market interest rates on net
interest income. Actual results will differ from the model&#146;s simulated results due to timing, magnitude and frequency of interest rate changes as well as changes in market conditions and the application and timing of various strategies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Impact of Inflation </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our consolidated
financial statements and related notes included elsewhere in this prospectus have been prepared in accordance with GAAP. GAAP requires the measurement of financial position and operating results in terms of historical dollars, without considering
changes in the relative value of money over time due to inflation or recession. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Unlike many industrial companies, substantially all of
our assets and liabilities are monetary in nature. As a result, interest rates have a more significant impact on our performance than the effects of general levels of inflation. Interest rates may not necessarily move in the same direction or in the
same magnitude as the prices of goods and services. However, other operating expenses do reflect general levels of inflation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><FONT
STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our accounting and reporting policies conform to GAAP and the
prevailing practices in the banking industry. However, we also evaluate our performance based on certain additional financial measures discussed in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">109 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
this prospectus as being <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. We classify a financial measure as being a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial
measure if that financial measure excludes or includes amounts, or is subject to adjustments that have the effect of excluding or including amounts, that are included or excluded, as the case may be, in the most directly comparable measure
calculated and presented in accordance with GAAP as in effect from time to time in the United States in our statements of income, balance sheets or statements of cash flows. <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> financial measures do not
include operating and other statistical measures or ratios or statistical measures calculated using exclusively either financial measures calculated in accordance with GAAP, operating measures or other measures that are not <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measures or both. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial
measures that we discuss in this prospectus should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner in which we calculate the <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measures that we discuss in this prospectus may differ from that of other companies reporting measures with similar names. It is important to understand how other banking organizations calculate
their financial measures with names similar to the <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures we have discussed in this prospectus when comparing such <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Tangible Book Value Per Common Share</I>.&nbsp;&nbsp;Tangible book value per common share is a
<FONT STYLE="white-space:nowrap">non-GAAP</FONT> measure generally used by investors, financial analysts and investment bankers to evaluate financial institutions. We calculate (1)&nbsp;tangible common equity as total shareholders&#146; equity, less
goodwill, core deposit intangibles and other intangible assets, net of accumulated amortization, and (2)&nbsp;tangible book value per common share as tangible common equity divided by shares of common stock outstanding. The most directly comparable
GAAP financial measure for tangible book value per common share is book value per common share. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe that the tangible book value
per common share measure is important to many investors in the marketplace who are interested in changes from period to period in book value per common share exclusive of changes in intangible assets. Goodwill and other intangible assets have the
effect of increasing total book value while not increasing our tangible book value. The following table reconciles, as of the dates set forth below, total shareholders&#146; equity to tangible common equity and presents tangible book value per
common share compared to book value per common share: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands, except per share data)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Tangible Common Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total shareholders&#146; equity, including KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">141,914&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">137,736&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">112,289&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">97,095&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">97,739&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Adjustments:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,742)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,601)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,116)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,436)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,691)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Core deposit and other intangibles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,308)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,846)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,881)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,310)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,433)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">119,864&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">115,289&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">103,292&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">87,349&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">91,615&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Common shares outstanding<SUP STYLE="font-size:85%; vertical-align:top">(1)(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,751,923&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,901,443&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,015,614&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,374,610&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,151,292&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">16.22&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">15.47&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">14.01&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.17&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.67&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Tangible book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.70&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12.95&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12.89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11.84&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12.81&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:47%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Excludes the dilutive effect, if any, of 2,400, 2,233, 0, 5,958 and 8,066 shares of common stock issuable upon exercise of outstanding stock options as of December&nbsp;31, 2012, December&nbsp;31, 2013, 2014, 2015 and
2016, respectively. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Common shares outstanding as of December&nbsp;31, 2012 and 2013 were adjusted to reflect a 2 for 1 stock split completed in 2014. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Tangible book value per share increased from 2015 to 2016 primarily as a result of the increase in our total shareholders&#146; equity,
partially offset by the recognition of $141,000 of goodwill and $42,000 of core deposit intangibles related to the Denton acquisition. Tangible book value per share increased from 2014 to 2015 primarily as a result of the increase in our total
shareholders&#146; equity, partially offset by the recognition of $12.5&nbsp;million of goodwill related to the acquisition. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">110 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Tangible Common Equity to Tangible Assets</I>.&nbsp;&nbsp;Tangible common equity to tangible
assets is a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> measure generally used by investors, financial analysts and investment bankers to evaluate financial institutions. We calculate tangible common equity, as described above, and tangible
assets as total assets less goodwill, core deposit intangibles and other intangible assets, net of accumulated amortization. The most directly comparable GAAP financial measure for tangible common equity to tangible assets is total common
shareholders&#146; equity to total assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe that this measure is important to many investors in the marketplace who are
interested in the relative changes from period to period of tangible common equity to tangible assets, each exclusive of changes in intangible assets. Goodwill and other intangible assets have the effect of increasing both total shareholders&#146;
equity and assets while not increasing our tangible common equity or tangible assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table reconciles, as of the dates set
forth below, total shareholders&#146; equity to tangible common equity and total assets to tangible assets: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>As of December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2016</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><B>(Dollars in thousands, except per share data)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Tangible Common Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total shareholders&#146; equity, including KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">141,914&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">137,736&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">112,289&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">97,095&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">97,739&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Adjustments:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,742)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,601)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,116)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,436)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,691)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Core deposit and other intangibles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,308)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,846)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,881)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,310)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,433)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">119,864&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">115,289&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;103,292&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">87,349&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">91,615&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Tangible Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,828,336&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,682,640&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,334,068&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,246,451&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,160,070&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Adjustments:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,742)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,601)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;(6,116)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,436)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,691)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Core deposit and other intangibles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,308)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,846)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,881)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,310)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,433)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,806,286&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,660,193&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,325,071&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,236,705&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,153,946&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman"><B>Tangible Common Equity to Tangible Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.64%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.94%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.80%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.06%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.94%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Critical Accounting Policies </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our consolidated financial statements are prepared in accordance with GAAP and with general practices within the financial services industry.
Application of these principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. We base our estimates on historical experience and on various other
assumptions that we believe to be reasonable under current circumstances. These assumptions form the basis for our judgments about the carrying values of assets and liabilities that are not readily available from independent, objective sources. We
evaluate our estimates on an ongoing basis. Use of alternative assumptions may have resulted in significantly different estimates. Actual results may differ from these estimates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have identified the following accounting policies and estimates that, due to the difficult, subjective or complex judgments and assumptions
inherent in those policies and estimates, and the potential sensitivity of our financial statements to those judgments and assumptions, are critical to an understanding of our financial condition and results of operations. We believe that the
judgments, estimates and assumptions used in the preparation of our financial statements are appropriate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Loans and Allowance for Loan Losses </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Loans are stated at the amount of unpaid principal, reduced by unearned income and an allowance for loan losses. Interest on loans is
recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Fees associated with the originating of loans and certain direct loan origination costs are netted and the net amount is deferred and recognized
over the life of the loan as an adjustment of yield. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">111 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The accrual of interest on loans is discontinued when there is a clear indication that the
borrower&#146;s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90&nbsp;days past due. When a loan is placed on nonaccrual status, all previously accrued and unpaid interest is reversed.
Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. Loans are returned to accrual
status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured in accordance with the terms of the loan agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The allowance for loan losses is an estimated amount management believes is adequate to absorb inherent losses on existing loans that may be
uncollectible based upon review and evaluation of our loan portfolio. Management&#146;s periodic evaluation of the allowance is based on general economic conditions, the financial condition of borrowers, the value and liquidity of collateral,
delinquency, prior loan loss experience and the results of periodic reviews of the portfolio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The allowance for loan losses is comprised
of two components. The first component, the general reserve, is determined in accordance with current authoritative accounting guidance that considers historical loss rates for the last five years adjusted for qualitative factors based upon general
economic conditions and other qualitative risk factors both internal and external to us. Such qualitative factors include current local economic conditions and trends including unemployment, changes in lending staff, policies and procedures, changes
in credit concentrations, changes in the trends and severity of problem loans and changes in trends in volume and terms of loans. These qualitative factors serve to compensate for additional areas of uncertainty inherent in the portfolio that are
not reflected in our historic loss factors. For purposes of determining the general reserve, the loan portfolio, less cash secured loans, government guaranteed loans and impaired loans, is multiplied by our adjusted historical loss rate. The second
component of the allowance for loan losses, the specific reserve, is determined in accordance with current authoritative accounting guidance based on probable and incurred losses on specific classified loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The allowance for loan losses is increased by charges to income and decreased by charge-offs (net of recoveries). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Due to our growth over the past several years, a portion of the loans in our portfolio and our lending relationships are of relatively recent
origin. The new loan portfolios have limited delinquency and credit loss history and have not yet exhibited an observable loss trend. The credit quality of loans in theses loan portfolios are impacted by delinquency status and debt service coverage
generated by the borrowers&#146; business and fluctuations in the value of real estate collateral. Management considers delinquency status to be the most meaningful indicator of the credit quality of <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">one-to-four</FONT></FONT> single family residential, home equity loans and lines of credit and other consumer loans. In general, loans do not begin to show signs of credit deterioration or default until they have been
outstanding for some period of time, a process we refers to as &#147;seasoning.&#148; As a result, a portfolio of older loans will usually behave more predictably than a portfolio of newer loans. We consider the majority of our loans to be
&#147;seasoned&#148; and that the credit quality and current level of delinquencies and defaults represents the level of reserve needed in the allowance for loan losses. If delinquencies and defaults were to increase, we may be required to increase
our provision for loan losses, which would adversely affect our results of operations and financial condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Delinquency statistics are
updated at least monthly. Internal risk ratings are considered the most meaningful indicator of credit quality for new commercial and industrial, construction, and commercial real estate loans. Internal risk ratings are a key factor in identifying
loans that are individually evaluated for impairment and impact management&#146;s estimates of loss factors used in determining the amount of the allowance for loan losses. Internal risk ratings are updated on a continuous basis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Loans are considered impaired when, based on current information and events, it is probable we will be unable to collect all amounts due in
accordance with the original contractual terms of the loan agreement, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">112 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
including scheduled principal and interest payments. If a loan is impaired, a specific valuation allowance is allocated, if necessary. Interest payments on impaired loans are typically applied to
principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged off when deemed uncollectible. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our policy requires measurement of the allowance for an impaired collateral dependent loan based on the fair value of the collateral. Other
loan impairments are measured based on the present value of expected future cash flows or the loan&#146;s observable market price. At December&nbsp;31, 2016 and December&nbsp;31, 2015, all significant impaired loans have been determined to be
collateral dependent and the allowance for loss has been measured utilizing the estimated fair value of the collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From time to
time, we modify our loan agreement with a borrower. A modified loan is considered a troubled debt restructuring when two conditions are met: (i)&nbsp;the borrower is experiencing financial difficulty and (ii)&nbsp;concessions are made by us that
would not otherwise be considered for a borrower with similar credit risk characteristics. Modifications to loan terms may include a lower interest rate, a reduction of principal, or a longer term to maturity. We review each troubled debt
restructured loan and determine on a case by case basis if the loan is subject to impairment and the need for a specific allowance for loan loss allocation. An allowance for loan loss allocation is based on either the present value of estimated
future cash flows or the estimated fair value of the underlying collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have certain lending policies and procedures in place that
are designed to maximize loan income with an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis and makes changes as appropriate. Management receives frequent reports related to loan
originations, quality, concentrations, delinquencies, <FONT STYLE="white-space:nowrap">non-performing</FONT> and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic
conditions, both by type of loan and geography. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Commercial and industrial loans are underwritten after evaluating and understanding the
borrower&#146;s ability to operate profitably and effectively. Underwriting standards are designed to determine whether the borrower possesses sound business ethics and practices and to evaluate current and projected cash flows to determine the
ability of the borrower to repay their obligations as agreed. Commercial and industrial loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most
commercial and industrial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and include personal guarantees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Real estate loans are also subject to underwriting standards and processes similar to commercial and industrial loans. These loans are
underwritten primarily based on projected cash flows and, secondarily, as loans secured by real estate. The repayment of real estate loans is generally largely dependent on the successful operation of the property securing the loans or the business
conducted on the property securing the loan. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing our real estate portfolio are generally diverse in terms of
type and geographic location throughout the State of Texas. This diversity helps us reduce the exposure to adverse economic events that affect any single market or industry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We utilize methodical credit standards and analysis to supplement our policies and procedures in underwriting consumer loans. Our loan policy
addresses types of consumer loans that may be originated as well as the underlying collateral, if secured, which must be perfected. The relatively small individual dollar amounts of consumer loans that are spread over numerous individual borrowers
also minimizes risk. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Emerging Growth Company </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The JOBS Act permits an &#147;emerging growth company&#148; to take advantage of an extended transition period to comply with new or revised
accounting standards applicable to public companies. However, we have </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">113 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
&#147;opted out&#148; of this provision. As a result, we will comply with new or revised accounting standards to the same extent that compliance is required for
<FONT STYLE="white-space:nowrap">non-emerging</FONT> growth companies. Our decision to opt out of the extended transition period under the JOBS Act is irrevocable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Recently Issued Accounting Pronouncements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In August 2016, the Financial Accounting Standards Board, or FASB, issued Accounting Standards Update
<FONT STYLE="white-space:nowrap">2016-15,</FONT><I> Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments</I> (ASU <FONT STYLE="white-space:nowrap">2016-15),</FONT> to address diversity in how certain cash
receipts and cash payments are presented and classified in the statement of cash flows. The amendments provide guidance on the following nine specific cash flow issues: 1) debt prepayment or debt extinguishment costs; 2) settlement of <FONT
STYLE="white-space:nowrap">zero-coupon</FONT> debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing; 3) contingent consideration payments made after a
business combination; 4) proceeds from the settlement of insurance claims; 5) proceeds from the settlement of corporate-owned life insurance policies, including bank-owned; 6) life insurance policies; 7) distributions received from equity method
investees; 8) beneficial interests in securitization transactions; and 9) separately identifiable cash flows and application of the predominance principle. The amendments are effective for public companies for fiscal years beginning after
December&nbsp;31, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December&nbsp;15, 2018, and interim periods with fiscal years beginning after
December&nbsp;15, 2019. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of this guidance to be material to the consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In June 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-13,</FONT><I> Financial Instruments - Credit Losses (Topic 326):
Measurement of Credit Losses on Financial Instruments</I>, which sets forth a &#147;current expected credit loss,&#148; or CECL, model requiring the Company to measure all expected credit losses for financial instruments held at the reporting date
based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies
to some <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet credit exposures. For public business entities that are not U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning
after December&nbsp;15, 2020, including interim periods within those fiscal years. The Company is currently in the process of assembling a transition team to assess the adoption of this ASU, which will come up with a project plan regarding
implementation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In March 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-09,</FONT><I> Compensation - Stock Compensation
(Topic 718): Improvements to Employee Share-Based Payment Accounting</I>, which is intended to simplify several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either
equity or liabilities, and classification on the statement of cash flows. ASU <FONT STYLE="white-space:nowrap">2016-09</FONT> is effective for annual periods beginning after December&nbsp;15, 2016, and interim periods within those annual periods.
Early application is permitted. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In February 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-02,</FONT><I>&nbsp;Leases (Topic 842)</I>. The FASB issued this
ASU to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet by lessees for those leases classified as operating leases under current U.S. GAAP and disclosing key
information about leasing arrangements. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December&nbsp;15, 2018. Early application of this ASU
is permitted for all entities. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In January 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-01,</FONT><I> Financial Instruments-Recognition and Measurement of
Financial Assets and Liabilities</I> , which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">114 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes;
separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements;
eliminating the requirement to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; eliminating the requirement for public business entities to disclose the method(s)
and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other
comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk (also referred to as &#147;own credit&#148;) when the organization has elected to measure the
liability at fair value in accordance with the fair value option for financial instruments. This ASU is effective for public companies for fiscal years beginning after December&nbsp;15, 2017, including interim periods within those fiscal years. This
ASU permits early adoption of the instrument-specific credit risk provision. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In September 2015, the FASB issued ASU <FONT STYLE="white-space:nowrap">2015-16,</FONT><I> Business Combinations (Topic 805): Simplifying the
Accounting for Measurement-Period Adjustments</I>. The amendments in ASU <FONT STYLE="white-space:nowrap">2015-16</FONT> require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the
reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period&#146;s financial statements, the effect on earnings of changes in depreciation, amortization, or other income
effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or
disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition
date.&nbsp;The amendments in this ASU are effective for public business entities for fiscal years beginning after December&nbsp;15, 2015, including interim periods within those fiscal years. The amendments should be applied prospectively to
adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The adoption of this pronouncement did not have a material effect on the consolidated
financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In May 2014, the FASB issued ASU 2014-09, <I>Revenue from Contracts with Customers (Topic 606), </I>followed by
various amendments<I>: </I>ASU 2015-14, <I>Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, </I>ASU 2016-08, <I>Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting
Revenue Gross versus Net), </I>ASU 2016-10, <I>Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing, </I>ASU 2016-11, <I>Revenue Recognition (Topic 605) and Derivatives and Hedging (Topic 815):
Rescission of SEC Guidance Because of Accounting Standards Updates 2014-09 and 2014-16 Pursuant to Staff Announcements at the March 3, 2016 EITF Meeting, </I>and ASU 2016-12, <I>Revenue from Contracts with Customers (Topic 606): Narrow-Scope
Improvements and Practical Expedients. </I>The amendments in these updates amend existing guidance related to revenue from contracts with customers. The amendments supersede and replace nearly all existing revenue recognition guidance, including
industry-specific guidance, establish a new control-based revenue recognition model, change the basis for deciding when revenue is recognized over a time or point in time, provide new and more detailed guidance on specific topics and expand and
improve disclosures about revenue. In addition, these amendments specify the accounting for some costs to obtain or fulfill a contract with a customer. The amendments are effective for annual and interim periods beginning after December 15, 2017,
and must be retrospectively applied.&nbsp;The majority of the Company&#146;s income consists of net interest income on financial assets and financial liabilities, which is explicitly excluded from the scope of the amendments. The Company continues
to evaluate the impact of the amendments on the components of noninterest income that have recurring revenue streams; however, the Company does not expect any recognition changes to have a significant impact to the Company&#146;s consolidated
financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">115 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_12"></A>MANAGEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have a seasoned executive
management team and board of directors. The Bank&#146;s executive management team has a combined 277 years of financial services experience, including extensive experience in the commercial banking industry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of directors is composed of 12 members and is divided into three classes of directors, serving staggered three-year terms.
Approximately <FONT STYLE="white-space:nowrap">one-third</FONT> of our board of directors is elected by our shareholders at each annual shareholders&#146; meeting for a term of three years, and the elected directors hold office until their
successors are elected and qualified or until such director&#146;s earlier death, resignation or removal. Our executive officers are appointed by our board of directors and hold office until their successors are duly appointed and qualified or until
their earlier death, resignation or removal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The board of directors of Guaranty Bank&nbsp;&amp; Trust consists of 16 members. All of the
Company&#146;s directors serve on the board of directors of Guaranty Bank&nbsp;&amp; Trust, except for Arthur B. Scharlach, Jr. and Weldon C. Miller, who retired from the Bank&#146;s board of directors in December 2014 and 2015, respectively, and
Clifton A. Payne, who concluded his term in December 2016. As the sole shareholder of Guaranty Bank&nbsp;&amp; Trust, we elect the directors of the Bank annually for a term of one year and the directors of the Bank hold office until their successors
are elected and qualified or until such director&#146;s earlier death, resignation or removal. The executive officers of Guaranty Bank&nbsp;&amp; Trust are appointed by the Bank&#146;s board of directors and hold office until their successors are
duly appointed and qualified or until their earlier death, resignation or removal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table sets forth certain information
regarding the directors and executive officers of the Company, and positions they hold at the Bank, if any, as of the date of this prospectus: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Age</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Position&nbsp;with&nbsp;Guaranty<BR>Bancshares,
Inc.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Position&nbsp;with&nbsp;Guaranty<BR>Bank&nbsp;&amp;
Trust</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>GBI<BR>Director<BR>Since</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>GBI Director <BR>Until&nbsp;/&nbsp;Class</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Chairman of the Board and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Chairman of the Board and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2002</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2020&nbsp;/&nbsp;Class&nbsp;II</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard W. Baker</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2020 /&nbsp;Class&nbsp;II</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James S. Bunch</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2014</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2018&nbsp;/&nbsp;Class&nbsp;III</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2004</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2020 / Class&nbsp;II</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bradley K. Drake</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2013</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2019&nbsp;/ Class&nbsp;I</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Christopher B. Elliott</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2010</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2018 / Class&nbsp;III</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2003</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2019 / Class&nbsp;I</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kirk L. Lee</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">President</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Vice Chairman and Chief Credit Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2005</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2019&nbsp;/ Class&nbsp;I</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weldon C. Miller</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">1979</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2018 / Class&nbsp;III</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Clifton A. Payne</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Senior Executive Vice President and Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Senior Executive Vice President and Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">1995</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2019 / Class&nbsp;I</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">William D. Priefert</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">2002</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2018 / Class&nbsp;III</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">1979</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2020 / Class&nbsp;II</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Randall R. Kucera</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Vice President and General Counsel</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Executive Vice President and General Counsel</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">116 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Age</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Position&nbsp;with&nbsp;Guaranty<BR>Bancshares,
Inc.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Position&nbsp;with&nbsp;Guaranty<BR>Bank&nbsp;&amp;
Trust</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>GBI<BR>Director<BR>Since</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>GBI&nbsp;Director<BR>Until&nbsp;/&nbsp;Class</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Martin C. Bell</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Executive Vice President</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charles A. Cowell</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Vice Chairman and Executive Vice President</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Harold E. Lower, II</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Executive Vice President</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">J. Daniel Muskrat</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Executive Vice President and Chief Information Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Robert P. Sharp</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Executive Vice President</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">&#151;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Board of Directors </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A brief description of the background of each of our directors together with the experience, qualifications, attributes or skills that caused
our board of directors to determine that the individual should serve as a director is set forth below. No director has any family relationship, as defined in Item&nbsp;401 of Regulation <FONT STYLE="white-space:nowrap">S-K,</FONT> with any other
director or executive officer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Tyson T. Abston.</I>&nbsp;&nbsp;Mr.&nbsp;Abston serves as Chairman of the Board and Chief Executive
Officer of both the Company and the Bank. Mr.&nbsp;Abston joined the Bank as Senior Vice President in 1997, having previously served four years as an officer of an East Texas bank. He has previously served as President of the Bank&#146;s Texarkana,
Texas location and as Executive Vice President and President of the Bank. Mr.&nbsp;Abston has served as a director of the Bank since 1999 and a director of the Company since 2002. In 2005, Mr.&nbsp;Abston was elected President and Chief Executive
Officer of the Bank and in 2006, he was elected President of the Company. In 2013, Mr.&nbsp;Abston was elected Chairman and Chief Executive Officer of both the Company and the Bank. He is also Chairman of the Executive Committee, a member of the
Bank&#146;s Directors&#146; Loan Committee, and either chairs or is a member of all the key operational committees of the Bank. He has served on the boards of the Federal Home Loan Bank of Dallas, Independent Bankers Association of Texas and Texas
Security Bank in Dallas. Mr.&nbsp;Abston has also served on various charitable organization boards, including Mount Pleasant Habitat for Humanity, Mount Pleasant Industrial Foundation and the Titus County Child Welfare Board. Mr.&nbsp;Abston is a
graduate of the University of North Texas, B.B.A. in Finance, 1988, and Texas A&amp;M University-Texarkana, MBA, 1990. Mr.&nbsp;Abston&#146;s extensive experience in banking, as well as his long-standing business and banking relationships in our
markets, qualify him to serve on our board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Richard W. Baker.&nbsp;&nbsp;</I>Mr.&nbsp;Baker has served on the Company
board of directors since 2015 and has served as a director of the Bank since 2013. Mr.&nbsp;Baker serves on our Corporate Governance and Nominating Committee, as well as the Bank&#146;s Directors&#146; Loan Committee, Executive Committee and Trust
Committee. Mr.&nbsp;Baker began his career in 1982 when he founded Big Tex Trailer Manufacturing. He served as President and Chief Executive Officer until he sold the company in 2015. He was presented the 2001 Ernst&nbsp;&amp; Young Entrepreneur of
the Year Award, the 2015 National Association of Trailer Manufacturers Outstanding Member of the Year Award, and the 2016 Lifetime Achievement Award by the Titus County Chamber of Commerce. Mr.&nbsp;Baker is a strong supporter of the Titus County
Fair, the Titus County Hospice, and a local <FONT STYLE="white-space:nowrap">non-profit</FONT> organization known as Titus County Cares. Mr.&nbsp;Baker&#146;s extensive experience in business and manufacturing, as well as his long-standing business
relationships throughout the state of Texas, qualify him to serve on our board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>James S.
Bunch</I>.&nbsp;&nbsp;Mr.&nbsp;Bunch was elected to serve on the Company board of directors in 2014 and has served as a director of the Bank since 2011. Mr.&nbsp;Bunch serves as Chairman of the Compensation Committee, and as a member of the
Corporate Governance and Nominating Committee, the Audit Committee, and the Bank&#146;s Directors&#146; Loan and Executive Committees. Since 2006, Mr.&nbsp;Bunch has served as the President and Chief
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">117 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Executive Officer of BWI Companies, Inc., a privately held company that has eight full service distribution locations and eight satellite locations servicing 15 states in the south and <FONT
STYLE="white-space:nowrap">mid-south.</FONT> BWI Companies, Inc. has 600 employees with annual revenue of approximately $410&nbsp;million. Prior to his appointment as the President and Chief Executive Officer, Mr.&nbsp;Bunch served as Vice President
of Sales and the Texarkana location manager for BWI Companies, Inc. Mr.&nbsp;Bunch has over 30 years of experience managing a complex distribution company and has authored many articles regarding the growth and management of a successful business
enterprise. Mr.&nbsp;Bunch has served as President of the National Lawn and Garden Distributors Association and as a board member for Prokoz (distributor chemical buying group), Chairman of the board of directors for Gro Group (distributor lawn and
garden marketing group), and currently serves on the board of Voluntary Purchasing Group (member owned <FONT STYLE="white-space:nowrap">co-op</FONT> that manufactures fertilizer and chemicals). Mr.&nbsp;Bunch is a very active member and either
chairs or serves on several committees at Williams Memorial Methodist Church in Texarkana, Texas. Mr.&nbsp;Bunch currently serves or has served on many charitable boards such as Wadley Hospital Foundation, Methodist Retirement Communities Foundation
and Water Springs Ranch (a neglected children&#146;s home). Mr.&nbsp;Bunch is a graduate of Stephen F. Austin State University, B.S. in Agriculture and a minor in Business Management, 1983. Mr.&nbsp;Bunch&#146;s extensive management, strategic
planning and mergers and acquisitions experience, as well as his community involvement, qualify him to serve on our board of directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Johnny O. Conroy.</I>&nbsp;&nbsp;Mr.&nbsp;Conroy has served on our board of directors since 2004 and has served as a director of the Bank
since 2003. Mr.&nbsp;Conroy serves on our Compensation Committee and KSOP Committee. Mr.&nbsp;Conroy retired in 2009 as President of Conroy Tractor, Inc., a family owned agricultural implements business in Mount Pleasant, where he worked since 1962.
Mr.&nbsp;Conroy is actively involved in several charitable organization boards. Mr.&nbsp;Conroy is a graduate of East Texas State University, B.B.A., 1968. Mr.&nbsp;Conroy&#146;s extensive business and real estate experience, as well as his
community involvement, qualify him to serve on our board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Bradley K. Drake.</I>&nbsp;&nbsp;Mr.&nbsp;Drake has served on
our board of directors since 2013 and has served as a director of the Bank since 2007. He currently serves as a member of the Compensation Committee and the Bank&#146;s Trust Committee. Mr.&nbsp;Drake joined Lamar Companies, LLC in 2006 and
currently serves as its President and Chief Executive Officer. Lamar Companies,<I> </I>LLC is a construction services company headquartered in Paris, Texas. Mr.&nbsp;Drake graduated with a bachelor of business administration in finance from Texas
Tech University in 1993. The Governor of Texas appointed Mr.&nbsp;Drake as a board member of the Sulphur River Basin Authority where he is currently serving. Mr.&nbsp;Drake&#146;s extensive commercial real estate experience, as well as his knowledge
and relationships in Paris, Texas, qualify him to serve on our board of directors.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Christopher B.
Elliott.</I>&nbsp;&nbsp;Mr.&nbsp;Elliott has served on our board of directors since 2010 and has served as a director of the Bank since 2004. He is Chairman of our Corporate Governance and Nominating Committee and our Audit Committee and serves on
our KSOP Committee, Compensation Committee and the Bank&#146;s Directors&#146; Loan and Executive Committees. Mr.&nbsp;Elliott has served as the managing partner of Kartos Holdings, L.P. since 2006. Kartos Holdings, L.P. owns several automobile
dealerships with locations in Mount Pleasant, Kilgore and Jacksonville, Texas, as well as the real estate holdings associated with their operations. Mr.&nbsp;Elliott is a graduate of Texas Christian University, B.B.A. in Management, 1990. He is
currently a member of the City of Mount Pleasant Airport Advisory Board. Mr.&nbsp;Elliott&#146;s extensive business experience and contacts in our East Texas markets qualify him to serve on our board of directors.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Carl Johnson, Jr.</I>&nbsp;&nbsp;Mr.&nbsp;Johnson has served on our board of directors since 2003 and has served as a director of the Bank
since 1992. He is Chairman of our KSOP Committee and serves on our Audit Committee, Corporate Governance and Nominating Committee and the Bank&#146;s Directors&#146; Loan Committee. Mr.&nbsp;Johnson is a Certified Public Accountant and has been an
owner of Baker&nbsp;&amp; Johnson, PC since 1989. Mr.&nbsp;Johnson has also served as the County Auditor for Titus County since 1992. He is a graduate of the University of Texas &#150; Arlington, B.B.A. in Accounting, 1979. Mr.&nbsp;Johnson&#146;s
extensive financial and accounting experience qualifies him to serve on our board of directors.<I> </I> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">118 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Kirk L. Lee.</I>&nbsp;&nbsp;Mr.&nbsp;Lee serves as President of the Company and as Vice
Chairman and Chief Credit Officer of the Bank. Mr.&nbsp;Lee serves is Chairman of the Bank&#146;s Directors&#146; Loan Committee, is a member of the Bank&#146;s Executive Committee and either chairs or is a member of all the key operational
committees of the Bank. Mr.&nbsp;Lee joined the Bank in 1992, serving as President of the Bank&#146;s Paris, Texas office. Mr.&nbsp;Lee served as the President and Chief Credit Officer of the Bank from 2011 until his promotion to Vice Chairman and
Chief Credit Officer in 2014. Mr.&nbsp;Lee has served as a director of the Bank since 2002 and a director of the Company since 2005. Mr.&nbsp;Lee has over 30 years of banking experience, and previously worked at the Arkansas State Banking Department
as a Bank Examiner Supervisor and worked a number of years in commercial lending and management at another community bank prior to joining us. He is a graduate of Ouachita Baptist University, B.B.A., 1983. In addition, he received a graduate degree
in commercial banking from the Southwestern Graduate School of Banking in 1989. His extensive experience in bank regulation and community bank management, coupled with his long-standing business and banking relationships in our markets, qualify him
to serve on our board of directors.<I> </I> </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Weldon C. Miller.</I>&nbsp;&nbsp;Mr.&nbsp;Miller has served as a director of the
Company since 1979 and has served as a director of the Bank since 1969, until his retirement from the Bank board in December 2015. Mr.&nbsp;Miller has been the President of Everybody&#146;s Furniture Company since<I> </I>1957. Mr.&nbsp;Miller is a
member of our Audit Committee, our Compensation Committee and our Corporate Governance and Nominating Committee. Mr.&nbsp;Miller served on the board of directors of the Bart Scharlach Memorial Foundation from 2004 to 2016, and previously served on
the board of the Nevill&#146;s Chapel Cemetery Association from 1995 to 2009. Mr.&nbsp;Miller served in the Texas Army National Guard for fourteen years. Mr.&nbsp;Miller is also a member and serves as an elder of the North Jefferson Church of Christ
in Mount Pleasant. Mr.&nbsp;Miller is a graduate of Abilene Christian College, B.S. in Marketing, 1957. Mr.&nbsp;Miller&#146;s extensive business experience, as well as his years of experience as a director of the Company and the Bank, qualify him
to serve on our board of directors<I>.</I> </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Clifton A. Payne.</I>&nbsp;&nbsp;Mr.&nbsp;Payne serves as the Senior Executive Vice
President and Chief Financial Officer of both the Company and the Bank. Mr.&nbsp;Payne is a member of the Bank&#146;s Executive Committee and either chairs or is a member of all the key operational committees of the Bank. Mr.&nbsp;Payne joined the
Bank 1984 as a Credit Analyst, before advancing to Senior Loan Officer, Controller, and Investment Officer. He has served as a director of the Company since 1995 as served as a director of the Bank from 1995 until 2016. He currently serves as an
advisory member of the Bank&#146;s board of directors. Prior to joining the Bank, Mr.&nbsp;Payne spent four years in private practice with Oakerson&nbsp;&amp; Arnold PC, a regional certified public accounting firm. With over 30 years of executive
financial experience, Mr.&nbsp;Payne oversees the Bank&#146;s accounting, human resources and marketing divisions. During his tenure as CFO, the Company went public in 1998, was listed on the NASDAQ National Market System, and then returned in 2005
to a private entity. Mr.&nbsp;Payne is a graduate of Baylor University, B.B.A. in Accounting, 1980 and is a licensed Certified Public Accountant. Mr.&nbsp;Payne&#146;s deep institutional knowledge and extensive banking experience qualify him to
serve on our board of directors. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>William D. Priefert.</I>&nbsp;&nbsp;Mr.&nbsp;Priefert has served as a director of the Company
since 2002 and has served as a director of the Bank since 1983. Mr.&nbsp;Priefert serves as a member of our KSOP Committee and the Bank&#146;s Executive Committee. Mr.&nbsp;Priefert has been Chairman of the Board and CEO of Priefert Manufacturing,
Inc., a farm, ranch and rodeo equipment manufacturer, since 1988. Mr.&nbsp;Priefert also serves on the board of BWI Companies, Inc., and is a Transportation Committee member of the Titus County Chamber of Commerce. He previously served on the
Northeast Texas Community College Board from 2002 to 2014. Mr.&nbsp;Priefert is a graduate of Stephen F. Austin University, B.B.A. in Business Management, 1970. Mr.&nbsp;Priefert&#146;s extensive business experience and his community involvement and
leadership skills qualify him to serve on our board of directors.<I> </I> </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Arthur B. Scharlach,
Jr.</I><I></I>&nbsp;&nbsp;Mr.&nbsp;Scharlach has served as a director of the Company since 1979 and served as a director of the Bank from 1971 until December 2014. Mr.&nbsp;Scharlach joined the Bank in 1970 and served the Bank in varying capacities
as Senior Vice President, President, Chief Operating Officer, Chairman and Chief Executive Officer until his retirement in 2005. In 2013, Mr.&nbsp;Scharlach resigned as Chairman of the Board of the Company. Mr.&nbsp;Scharlach is a graduate of Texas
Christian University, B.B.A., 1965. Mr.&nbsp;Scharlach also received </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">119 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
a BAI degree from the University of Wisconsin in Operations&nbsp;&amp; Audit. Mr.&nbsp;Scharlach has served as a director and as Chairman of <FONT STYLE="white-space:nowrap">TIB-The</FONT>
Independent BankersBank, as well as serving on various board and charitable organizations in the community, including the Mount Pleasant Industrial Foundation, the Titus County Child Welfare Board, and the Board of Trustees of the Texas Methodist
Foundation. Mr.&nbsp;Scharlach&#146;s experience with the Company and the Bank and extensive community relationships qualify him to serve on our board of directors.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Executive Officers </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A brief description
of the background of each of the executive officers of the Bank who are not also executive officers or directors of the Company is set forth below. No executive officer has any family relationship, as defined in Item&nbsp;401 of Regulation <FONT
STYLE="white-space:nowrap">S-K,</FONT> with any other executive officer or director. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Martin C. Bell.</I>&nbsp;&nbsp;Mr.&nbsp;Bell has
been an Executive Vice President of the Bank since 2005 and currently serves as an advisory member of the Bank&#146;s board of directors. Mr.&nbsp;Bell has commercial, real estate, and consumer lending responsibilities, as well as administrative
oversight of several East Texas Bank locations and the Bank&#146;s operations center. He leads the Bank&#146;s strategic planning process and integrations of mergers and acquisitions. Mr.&nbsp;Bell either chairs or is a member of all key operational
committees of the Bank. Mr.&nbsp;Bell has over 30 years of banking experience. He is a graduate of Texas Christian University, B.B.A. in Finance, 1984, and is also a graduate of the Texas Tech University Intermediate and Advanced Schools of Banking.
In 1991, Mr.&nbsp;Bell graduated with Honors from the Southwestern Graduate School of Banking in Dallas.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Chuck
Cowell.&nbsp;&nbsp;</I>Mr.&nbsp;Cowell has been an Executive Vice President of the Bank since 2015 and has served on the Bank&#146;s board of directors since October 2016, currently serving as Vice Chairman. He has extensive lending
responsibilities, as well as administrative oversight of the Bank&#146;s trust, mortgage lending, mortgage warehouse lending, treasury management and loan review divisions. He also either chairs or serves as a member on all the key operational
committees of the Bank.&nbsp;Mr.&nbsp;Cowell served as President and Chief Executive Officer of Preston State Bank and its parent company DCB Financial in Dallas from 2009 until its acquisition by the Company in 2015. He has over 40 years of
industry experience, having served in executive positions for both privately held and publicly-traded institutions in the Midland, Graham, Abilene, and Houston, Texas markets. Cowell received his undergraduate degree in finance from Texas Tech
University and is a graduate of the National Installment Lending School in Norman, Oklahoma and the Southwestern Graduate School of Banking in Dallas. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Randall R. Kucera.</I>&nbsp;&nbsp;Mr.&nbsp;Kucera serves as Executive Vice President and General Counsel for both the Company and the Bank,
and as advisory director to the Bank&#146;s board of directors. Prior to joining the Bank in 2012, Mr.&nbsp;Kucera was a partner in the litigation division of Akin, Gump, Strauss, Hauer&nbsp;&amp; Feld LLP, or Akin Gump, for more than five years.
Prior to joining Akin Gump, he was an assistant district attorney in the Dallas County District Attorney&#146;s Office. In his <FONT STYLE="white-space:nowrap">30-year</FONT> legal career, Mr.&nbsp;Kucera focused on complex commercial litigation,
including a wide variety of contract, antitrust, lender liability, business tort, intellectual property, and insurance matters. He previously served as the litigation partner in charge of Akin Gump&#146;s commercial mortgage-backed securities (CMBS)
litigation practice, which handled complex commercial real estate litigation involving institutional lenders, financial service companies, conduit lenders, and master and special servicers. Mr.&nbsp;Kucera has been a speaker at various continuing
education seminars in Texas on the subjects of litigation and civil procedure. He has published articles on the subject of litigating claims in mortgage and asset-backed securities matters, including publications in the American Bar Association Real
Estate Litigation newsletter and the Mortgage and Asset-Backed Securities Litigation Handbook. Mr.&nbsp;Kucera is a graduate of Vanderbilt University, B.A. in political science, <I>summa cum laude</I>, 1979. Mr.&nbsp;Kucera is also a graduate of
Yale Law School, J.D., 1983. He is a member of the State Bar of Texas and is admitted to practice before the U.S. district courts for the Northern, Southern, Eastern, and Western Districts of Texas, the U.S. Court of Appeals for the 5th and 7th
Circuits and the Supreme Court of the United States.<I> </I> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">120 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Harold E. Lower, II.</I>&nbsp;&nbsp;Mr.&nbsp;Lower has been an Executive Vice President of
the Bank since 2010 and currently serves as an advisory member of the Bank&#146;s board of directors and Directors&#146; Loan Committee. He served as a member of the Company board of directors from 2013 through 2015 and a member of the Bank&#146;s
board of directors from 2012 through 2015. He also either chairs or serves as a member on all the key operational committees of the Bank.&nbsp;In his capacity as Executive Vice President of the Bank, Mr.&nbsp;Lower is responsible for overseeing the
operations of the Bank&#146;s six locations in Bowie and Cass counties. Mr.&nbsp;Lower joined the Bank in 2009 as a Senior Vice President, having previously served eight years as an officer of a Northeast Texas bank. Mr.&nbsp;Lower has over 28
years&#146; experience in the financial services industry. He is a graduate of Texas A&amp;M University, B.B.A. in Accounting, 1987, and is a licensed Certified Public Accountant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>J. Daniel Muskrat</I>.&nbsp;&nbsp;Mr.&nbsp;Muskrat currently serves as Executive Vice President and Chief Information Officer of the Bank
and is an advisory member of the Bank&#146;s board of directors. He is chairman of the Bank&#146;s Technology Committee and the Business Intelligence Committee in addition to either chairing or serving as a member on most other key operational
committees of the Bank. In his capacity as Executive Vice President, Mr.&nbsp;Muskrat has administrative oversight of the deposit services, data processing, internet banking and information technology divisions of the Bank. Mr.&nbsp;Muskrat has 18
years of banking experience in the areas of online and mobile banking, mergers and acquisitions, operations, network infrastructure, system conversions, data processing and information security. Mr.&nbsp;Muskrat serves in many advisory capacities
such as a member of Fiserv&#146;s Precision Core Advisory Council and First Data&#146;s Online Banking Advisory Council. He also serves the Mount Pleasant community in several roles including Founder and Executive Board Member of MPISD Education
Foundation and he serves on various advisory committees for the Northeast Texas Community College. Mr.&nbsp;Muskrat also serves the community as a Founder, Director, Life Group Leader, and Senior Leadership Team Member at Center Church.
Mr.&nbsp;Muskrat is actively involved with the Mount Pleasant Rotary Club as a Board Member, Past President and Treasurer. Finally, he has served the Mount Pleasant Chamber of Commerce as a Team Captain for the 2014 Total Resource Campaign, he has
served the past three years on Everything Texas Ranch Run Committee and he is a graduate of the 2011 Leadership Mount Pleasant Class. Mr.&nbsp;Muskrat is a graduate of Baylor University, B.A. in Information Systems Management, 2001, and received an
MBA from Baylor University in 2004.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Robert P. Sharp.</I>&nbsp;&nbsp;Mr.&nbsp;Sharp currently serves as Executive Vice
President for the Bank, and was elected as an advisory director of the Bank in 2013. In addition to commercial lending responsibilities, Mr.&nbsp;Sharp has administrative oversight of the Bank&#146;s three Titus County Bank locations, regulatory
compliance and loan operations divisions. Mr.&nbsp;Sharp chairs or serves as a member on all key operational committees of the Bank. Mr.&nbsp;Sharp joined the Bank in 2006 as Senior Vice President, having previously served 23 years with various
North Texas banks. Mr.&nbsp;Sharp has over 30 years of banking experience. He is a graduate of Texas Tech University, B.A., 1990, and attended the American British College in Barcelona, Spain. Mr.&nbsp;Sharp also graduated with honors from the
Southwestern Graduate School of Banking in 2007. He serves as a trustee at Northeast Texas Community College, and as secretary for the Mount Pleasant Rotary Club, and was formerly a director of Cypress Basin Hospice from 2003 to 2014.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Director Independence </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Under the rules
of the NASDAQ Global Select Market, independent directors must comprise a majority of our board of directors within a specified period of time of this offering. The rules of the NASDAQ Global Select Market, as well as those of the SEC, also impose
several other requirements with respect to the independence of our directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of directors has evaluated the independence of
its members based upon the rules of the NASDAQ Global Select Market and the SEC. Applying these standards, our board of directors has affirmatively determined that Messrs. Baker, Bunch, Conroy, Drake, Elliot, Johnson, Miller, and Priefert are
&#147;independent directors&#148; under the applicable rules. We have determined that Messrs. Abston, Lee, Payne and Scharlach are not </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">121 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
&#147;independent directors&#148; under the applicable rules. Messrs. Abston, Lee and Payne are employees of Guaranty Bank&nbsp;&amp; Trust, and Mr.&nbsp;Scharlach was engaged as a consultant to
Guaranty Bank&nbsp;&amp; Trust pursuant to a consulting agreement that expired February&nbsp;1, 2016. See &#147;Executive Compensation &#151; Consulting Agreement.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Leadership Structure </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of
directors meets monthly, and the board of directors of Guaranty Bank&nbsp;&amp; Trust meets monthly. Our board does not have a policy regarding the separation of the roles of Chief Executive Officer and Chairman of the board of directors, as the
board believes that it is in the best interests of our organization to make that determination from time to time based on the position and direction of our organization and the membership of the board. The board has determined that having our Chief
Executive Officer serve as Chairman of the board of directors is in the best interests of our shareholders at this time. Our board of directors believes that this structure makes best use of the Chief Executive Officer&#146;s extensive knowledge of
our organization and the banking industry. The board views this arrangement as also providing an efficient nexus between our organization and the board, enabling the board to obtain information pertaining to operational matters expeditiously and
enabling our Chairman to bring areas of concern before the board in a timely manner. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Because the positions of Chairman and Chief
Executive Officer are held by the same person, our board of directors has designated Weldon C. Miller to serve as Lead Independent Director. Among other things, the Lead Independent Director (1)&nbsp;presides at all meetings of the board at which
the Chairman is not present, including executive sessions of the independent directors; (2)&nbsp;serves as liaison between the Chairman and the independent directors; (3)&nbsp;approves information sent to the board of directors; (4)&nbsp;approves
meeting agendas for the board of directors; (5)&nbsp;approves meeting schedules to assure that there is sufficient time for discussion of all agenda items; (6)&nbsp;has the authority to call meetings of the independent directors; and (7)&nbsp;if
requested by major shareholders, makes himself or herself available for consultation and direct communication. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Compensation Committee Interlocks and
Insider Participation </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Upon completion of the offering, none of the members of our Compensation Committee will be or will have been an
officer or employee of Guaranty Bancshares, Inc. or Guaranty Bank&nbsp;&amp; Trust. In addition, none of our executive officers serves or has served as a member of the board of directors, compensation committee or other board committee performing
equivalent functions of any entity that has one or more executive officers serving as one of our directors or on our Compensation Committee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Board
Committees </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of directors has established standing committees in connection with the discharge of its responsibilities. These
committees include the Audit Committee, the Compensation Committee, the Corporate Governance and Nominating Committee and the KSOP Committee. Our board of directors also may establish such other committees as it deems appropriate, in accordance with
applicable law and regulations and our corporate governance documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Audit Committee.</I><I></I>&nbsp;&nbsp;The members of our Audit
Committee are Messrs. Elliott (Chairman), Bunch, Johnson and Miller. Our board of directors has evaluated the independence of each of the members of our Audit Committee and has affirmatively determined that (1)&nbsp;each of the members of our Audit
Committee is an &#147;independent director&#148; under NASDAQ Global Select Market rules, (2)&nbsp;each of the members satisfies the additional independence standards under applicable SEC rules for audit committee service, and (3)&nbsp;each of the
members has the ability to read and understand fundamental financial statements. In addition, our board of directors has determined that Mr.&nbsp;Johnson is a financial expert and has the financial sophistication required of at least one member of
the Audit Committee by the rules of the Nasdaq Global Select Market due to his experience and background. Our board of directors has also determined that Mr.&nbsp;Johnson qualifies as an &#147;audit committee financial expert&#148; under the rules
and regulations of the SEC. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">122 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Audit Committee assists the board of directors in its oversight of the integrity of our
financial statements, the selection, engagement, management and performance of our independent auditor that audits and reports on our consolidated financial statements, the performance of our internal audit function, the review of reports of bank
regulatory agencies and monitoring management&#146;s compliance with the recommendations contained in those reports and our compliance with legal and regulatory requirements related to our financial statements and reporting. Among other things, our
Audit Committee has responsibility for: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">selecting and reviewing the performance of our independent auditor and approving, in advance, all engagements and fee arrangements; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing reports from the independent auditor regarding its internal quality control procedures and any material issues raised by the most recent internal quality-control or peer review or by governmental or
professional authorities, and any steps taken to deal with such issues; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the independence of our independent auditor and setting policies for hiring employees or former employees of our independent auditor and for audit partner rotation and independent auditor rotation in
accordance with applicable laws, rules and regulations; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">resolving any disagreements regarding financial reporting between management and the independent auditor; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">overseeing our internal audit function; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing operating and control issues identified in internal audit reports, management letters, examination reports of regulatory agencies and monitoring management&#146;s compliance with recommendations contained in
those reports; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">meeting with management and the independent auditor to review the effectiveness of our system of internal control and internal audit procedures, and to address any deficiencies in such procedures; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">monitoring management&#146;s compliance all applicable laws, rules and regulations; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing our earnings releases and reports filed with the SEC; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">preparing the Audit Committee report required by SEC rules to be included in our annual report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the adequacy and effectiveness of our accounting and financial controls, including guidelines and policies for assessing and managing our risk exposure; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">establishing and overseeing procedures for the receipt, retention and treatment of complaints received by the Company regarding accounting, internal accounting controls or auditing matters, and for the confidential
anonymous submission by Company employees of concerns, regarding questionable accounting or auditing matters; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing actions by management on recommendations of the independent auditors and internal auditors; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">handling such other matters that are specifically delegated to the Audit Committee by our board of directors from time to time. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">123 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our Audit Committee has adopted a written charter, which sets forth the committee&#146;s duties
and responsibilities. The charter of the Audit Committee will be available on our website at www.gnty.com upon completion of this offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Compensation Committee.</I><I></I>&nbsp;&nbsp;The members of our Compensation Committee are Messrs. Bunch (Chairman), Conroy, Drake,
Elliott and Miller. Our board of directors has evaluated the independence of each of the members of our Compensation Committee and has affirmatively determined that each of the members of our Compensation Committee meets the definition of an
&#147;independent director&#148; under NASDAQ Global Select Market rules. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board has also determined that each of the members of the
Compensation Committee qualifies as a &#147;nonemployee director&#148; within the meaning of Rule <FONT STYLE="white-space:nowrap">16b-3</FONT> under the Exchange Act and an &#147;outside director&#148; within the meaning of Section&nbsp;162(m) of
the Internal Revenue Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Compensation Committee assists the board of directors in its oversight of our overall compensation
structure, policies and programs and assessing whether such structure meets our corporate objectives, the compensation of our named executive officers and the administration of our compensation and benefit plans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Among other things, our Compensation Committee has responsibility for: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing and determining, and recommending to the board of directors for its confirmation, the annual compensation, annual incentive compensation and any other matter relating to the compensation of our named executive
officers; all employment agreements, severance or termination agreements, change in control agreements to be entered into between any executive officer and us; and modifications to our philosophy and compensation practices relating to compensation
of our directors and management; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing and determining, and recommending to the board of directors for its confirmation, the establishment of performance measures and the applicable performance targets for each performance-based cash and equity
incentive award to be made under any benefit plan; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">taking all actions required or permitted under the terms of our benefit plans, with separate but concurrent authority; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing, approving and administering each of our benefit plans, and performing such other duties and responsibilities and may be assigned to the Compensation Committee under the terms of such plans; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing with our Chief Executive Officer the compensation payable to employees other than the named executive officers, including equity and <FONT STYLE="white-space:nowrap">non-equity</FONT> incentive compensation
and other benefits and our total incentive compensation program envisioned for each fiscal year; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">consulting with our Chief Executive Officer regarding a succession plan for our executive officers, including our Chief Executive Officer, and the review of our leadership development process for senior management
positions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the performance of our named executive officers; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing and discussing with management any compensation discussion and analysis included in our annual meeting proxy statements and any other reports filed with the SEC and determining whether or not to recommend to
our board of directors that such compensation discussion and analysis be so included; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">124 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">preparing the Compensation Committee report required by SEC rules to be included in our annual report; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">overseeing the administration of our equity plans and other incentive compensation plans and programs and preparing recommendations and periodic reports to our board of directors relating to these matters;
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">overseeing and making recommendations to the board of directors regarding the Company&#146;s compliance with SEC rules and regulations regarding shareholder approval of certain executive compensation matters, including
advisory votes on executive compensation and golden parachute compensation and approval of equity compensation plans; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">conducting an annual evaluation of the performance of the Compensation Committee and the adequacy of its charter and recommending to the board of directors any changes that it deems necessary; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">handling such other matters that are specifically delegated to the Compensation Committee by our board of directors from time to time. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our Compensation Committee has adopted a written charter, which sets forth the committee&#146;s duties and responsibilities. The charter of
the Compensation Committee will be available on our website at www.gnty.com upon completion of this offering. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Corporate Governance and
Nominating Committee.</I><I></I>&nbsp;&nbsp;The members of our Corporate Governance and Nominating Committee are Messrs. Elliott (Chairman), Baker, Bunch, Johnson and Miller. Our board of directors has evaluated the independence of each of the
members of our Corporate Governance and Nominating Committee and has affirmatively determined that each of the members of our Corporate Governance and Nominating Committee meets the definition of an &#147;independent director&#148; under NASDAQ
Global Select Market rules. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Corporate Governance and Nominating Committee assists the board of directors in its oversight of
identifying and recommending persons to be nominated for election as directors and to fill any vacancies on the board of directors of the Company and each of our subsidiaries, monitoring the composition and functioning of the standing committees of
the board of directors of the Company and each of our subsidiaries, developing, reviewing and monitoring the corporate governance policies and practices of the Company and each of our subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Among other things, our Corporate Governance and Nominating Committee is responsible for: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the performance of our board of directors of the Company and each of our subsidiaries; </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">identifying, assessing and determining the qualification, attributes and skills of, and recommend, persons to be nominated by our board of directors for election as directors and to fill any vacancies on the board of
directors of the Company and each of our subsidiaries; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the background, qualifications and independence of individuals being considered as director candidates, including persons proposed by our shareholders; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing and recommending to our board of directors each director&#146;s suitability for continued service as a director upon the expiration of his or her term and upon any material change in his or her status;
</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">125 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing the size and composition of the board of directors of the Company and each of our subsidiaries as a whole, and recommend any appropriate changes to reflect the appropriate balance of required independence,
knowledge, experience, skills, expertise and diversity; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">monitoring the function of our standing committees and recommending any changes, including the director assignments, creation or elimination of any committee; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">developing, reviewing and monitoring compliance with our corporate governance guidelines and the corporate governance provisions of the federal securities laws and the listing rules applicable to us; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">investigating any alleged violations of such guidelines and the applicable corporate governance provisions of federal securities laws and listing rules, and reporting such violations to our board of directors with
recommended corrective actions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing our corporate governance practices in light of best corporate governance practices among our peers and determining whether any changes in our corporate governance practices are necessary; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">considering any resignation tendered to our board of directors by a director and recommend the acceptance of such resignation if appropriate; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">considering questions of possible conflicts of interest involving directors, including operations that could be considered competitive with our operations or otherwise present a conflict of interest; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing and approving all related person transactions in accordance with our policy and procedures; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">overseeing our director orientation and continuing education programs for the board of directors; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reviewing its charter and recommending to our board of directors any modifications or changes; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">handling such other matters that are specifically delegated to the Corporate Governance and Nominating Committee by our board of directors from time to time. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our Corporate Governance and Nominating Committee has adopted a written charter, which sets forth the committee&#146;s duties and
responsibilities. The charter of the Corporate Governance and Nominating Committee will be available on our website at www.gnty.com upon completion of this offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In carrying out its functions, the Corporate Governance and Nominating Committee will develop qualification criteria for all potential
nominees for election, including incumbent directors, board nominees and shareholder nominees to be included in the Company&#146;s future proxy statements. These criteria may include the following attributes: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">adherence to high ethical standards and high standards of integrity; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">sufficient educational background, professional experience, business experience, service on other boards of directors and other experience, qualifications, diversity of viewpoints, attributes and sills that will allow
the candidate to serve effectively on the board of directors and the specific committee for which he or she is being considered; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">126 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">evidence of leadership, sound professional judgment and professional acumen; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">evidence the nominee is well recognized in the community and has a demonstrated record of service to the community; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a willingness to abide by any published code of conduct or ethics for the Company and to objectively appraise management performance; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the ability and willingness and ability to devote sufficient time to carrying out the duties and responsibilities required of a director; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any related person transaction in which the candidate has or may have a material direct or indirect interest and in which we participate; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the fit of the individual&#146;s skills and personality with those of other directors and potential directors in building a board of directors that is effective, collegial and responsive to the needs of the Company and
the interests of our shareholders. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Corporate Governance and Nominating Committee will also evaluate potential nominees
for the Company&#146;s board of directors to determine if they have any conflicts of interest that may interfere with their ability to serve as effective board members and to determine whether they are &#147;independent&#148; in accordance with
applicable SEC and NASDAQ Global Select Market rules (to ensure that, at all times, at least a majority of our directors are independent). Although we do not have a separate diversity policy, the committee considers the diversity of the
Company&#146;s directors and nominees in terms of knowledge, experience, skills, expertise and other demographics that may contribute to the Company&#146;s board of directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Prior to nominating or, if applicable, recommending an existing director for <FONT STYLE="white-space:nowrap">re-election</FONT> to the
Company&#146;s board of directors, the Corporate Governance and Nominating Committee will consider and review the following attributes with respect to each existing director: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">attendance and performance at meetings of the Company&#146;s board of directors and the committees on which such director serves; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">length of service on the Company&#146;s board of directors; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">experience, skills and contributions that the existing director brings to the Company&#146;s board of directors; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">independence and any conflicts of interest; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any significant change in the director&#146;s status, including the attributes considered for initial membership on the Company&#146;s board of directors. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>KSOP Committee.</I><I></I>&nbsp;&nbsp;The KSOP Committee is responsible for managing the operation and administration of our KSOP. The KSOP
Committee serves as the trustee of our KSOP and its members are appointed by our board of directors. The voting members of our KSOP Committee are Messrs. Johnson (Chairman), Conroy, Elliott and Prefiert.<I> </I> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">127 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Code of Conduct; Code of Ethics for Chief Executive Officer and Senior Financial Officers </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of directors has adopted a Code of Conduct that applies to all of our directors, officers and employees. The Code of Conduct sets
forth the standard of conduct that we expect all of our directors, officers and employees to follow, including our Chief Executive Officer and Chief Financial Officer. In addition, our board of directors has adopted a Code of Ethics for the Chief
Executive Officer and Senior Financial Officers that applies to our Chief Executive Officer, our Chief Financial Officer and any other officer serving in a finance function and sets forth specific standards of conduct and ethics that we expect from
such individuals in addition to those set forth in the Code of Conduct. Our Code of Conduct and our Code of Ethics for the Chief Executive Officer and Senior Financial Officers will be available on our website at www.gnty.com upon completion of this
offering. We expect that any amendments to the Code of Conduct or the Code of Ethics for the Chief Executive Officer and Senior Financial Officers, or any waivers of their respective requirements, will be disclosed on our website, as well as any
other means required by NASDAQ Global Select Market rules or the SEC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Corporate Governance Guidelines </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have adopted Corporate Governance Guidelines to assist our board of directors in the exercise of its fiduciary duties and responsibilities
and to promote the effective functioning of our board of directors and its committees. Our Corporate Governance Guidelines will be available on our website at www.gnty.com upon completion of this offering. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">128 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_13"></A>EXECUTIVE COMPENSATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are providing compensation disclosure that satisfies the requirements applicable to emerging growth companies, as defined by the JOBS Act.
Our named executive officers for 2017, which consist of our principal executive officer and the two other most highly compensated executive officers, are: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Tyson T. Abston, Chairman of the Board and Chief Executive Officer; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Kirk L. Lee, President; and </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Clifton A. Payne, Senior Executive Vice President and Chief Financial Officer. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Agreements with Executive
Officers </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have not entered into employment agreements with any of our named executive officers, each of whom serves at the pleasure
of our board of directors and is an &#147;at will&#148; employee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Summary Compensation Table </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table presents summary information regarding the total compensation awarded to, earned by, and paid to our named executive
officers who were serving as executive officers at the end of our fiscal year ended December&nbsp;31, 2016. Except as set forth in the notes to the table, all cash compensation for each of our named executive officers was paid by Guaranty
Bank&nbsp;&amp; Trust, where Messrs.&nbsp;Abston and Payne serve in the same capacity, and Mr.&nbsp;Lee serves as Vice Chairman and Chief Credit Officer. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:150.00pt; font-size:9pt; font-family:Times New Roman"><B>Name&nbsp;and&nbsp;Principal Company&nbsp;Position</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Salary</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Nonequity<BR>Incentive Plan<BR>Compensation(1)(2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Nonqualified<BR>Deferred<BR>Compensation<BR>Earnings(3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>All Other<BR>Compensation<BR>(4)(5)(6)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">338,009</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,006</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61,020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">662,560</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.44em; font-size:9pt; font-family:Times New Roman">Chairman of the Board and</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.44em; font-size:9pt; font-family:Times New Roman">Chief Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Kirk L. Lee</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">243,827</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,541</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">442,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.44em; font-size:9pt; font-family:Times New Roman">President</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Clifton A. Payne</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">220,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">99,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">54,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">404,960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.44em; font-size:9pt; font-family:Times New Roman">Senior Executive Vice President</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.44em; font-size:9pt; font-family:Times New Roman">and Chief Financial Officer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">The amounts in this column include performance based cash bonuses of $219,275, $104,624 and $91,219 paid to Messrs. Abston, Lee and Payne, respectively, pursuant to the Company&#146;s Employee Bonus Plan.
</TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">The amounts in this column also include the amount of vested contributions of $12,250, $8,944 and $8,180 earned by Messrs. Abston, Lee and Payne, respectively, pursuant to the Company&#146;s Executive Incentive
Retirement Plan. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">The amounts in this column represent the amount of interest earned on vested contributions under the Company&#146;s Executive Incentive Retirement Plan that exceeds 120.0% of the applicable federal long-term rate.
</TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">As other compensation, Mr.&nbsp;Abston received director fees of approximately $42,300, employer KSOP contributions of approximately $13,250, life insurance premiums of approximately $1,242 and $4,228 attributable to
the use of a company car. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">As other compensation, Mr.&nbsp;Lee received director fees of approximately $42,300, employer KSOP contributions of approximately $13,250, life insurance premiums of approximately $1,782 and $2,055 attributable to the
use of a company car. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">As other compensation, Mr.&nbsp;Payne received director fees of approximately $36,100, employer KSOP contributions of approximately $13,250, life insurance premiums of approximately $2,322 and $2,928 attributable to the
use of a company car. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">129 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Outstanding Equity Awards at Fiscal <FONT STYLE="white-space:nowrap">Year-End</FONT> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table sets forth information relating to the unexercised options held by our named executive officers as of December&nbsp;31,
2016. All of the stock options shown in the table below were granted with a per share exercise price equal to the fair market value of our common stock on the grant date. Each of the stock options set forth below vests ratably in annual installments
over a period of 10 years from the grant date, beginning on the first anniversary of the grant date. No stock options were exercised by the named executive officers during fiscal 2016. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Options Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Options</B><br><B>Exercisable </B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Options</B><br><B>Unexercisable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Equity</B><br><B>Incentive<BR>Plan</B><br><B>Awards:<BR>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Unearned<BR>Options </B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Option<BR>Exercise<BR>Price </B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Option<BR>Expiration<BR>Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/15/2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Kirk L. Lee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/15/2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman">Clifton A. Payne</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/15/2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2015 Equity Incentive Plan </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our board of directors and shareholders adopted and approved the Guaranty Bancshares, Inc. 2014 Stock Option Plan, or Option Plan, which
became effective on February&nbsp;19, 2014. On February&nbsp;18, 2015, our board of directors amended and restated the Option Plan as the 2015 Equity Incentive Plan, or 2015 Plan. Our shareholders adopted and approved the 2015 Plan on April&nbsp;15,
2015. The following is a brief summary of the material terms of our 2015 Plan. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Purpose</I>.&nbsp;&nbsp;The purpose of our 2015
Plan is to attract and retain the best available personnel for positions of substantial responsibility, to provide additional incentives to selected employees, directors and consultants and to promote the success of the Company&#146;s and the
Bank&#146;s business by offering these individuals an opportunity to acquire a proprietary interest in the success of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Administration.</I>&nbsp;&nbsp;Our board of directors or one or more committees appointed by our board of directors will administer the
2015 Plan. For this purpose our board of directors has delegated general administrative authority for the 2015 Plan to the Compensation Committee.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Eligibility</I>.&nbsp;&nbsp;Persons eligible to receive awards under the 2015 Plan include officers, directors, employees and consultants.
The Compensation Committee determines from time to time the participants to whom awards will be granted.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Authorized Shares;
Limits on Awards</I>.&nbsp;&nbsp;The maximum number of shares of common stock that may be issued or transferred pursuant to awards under the 2015 Plan equals 1,000,000 shares, all of which may be subject to incentive stock option treatment. Under
the terms of the 2015 Plan, the maximum aggregate number of shares of common stock that may be issued pursuant to all awards under the 2015 Plan, other than those subject to incentive stock option treatment, shall increase annually on the first day
of each fiscal year following the adoption of the 2015 Plan by 20,000 shares, unless our board of directors determines a lesser amount.&nbsp;For each fiscal year after adopting the 2015 Plan, we determined not to increase the number of shares that
may be issued under the plan.&nbsp;As a result, the maximum number of shares of common stock that may be issued or transferred pursuant to awards under the 2015 Plan continues to equal 1,000,000 shares, all of which may be subject to
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">130 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
incentive stock option treatment. Additionally, the maximum number of shares that may be issued for awards to any single officer, employee or consultant participant during a calendar year for
stock options and stock appreciation rights, or SARs, is 300,000 shares (200,000 shares for <FONT STYLE="white-space:nowrap">non-employee</FONT> members of the board of directors), for other stock-based awards (excluding stock options and SARs but
including restricted stock and restricted stock units) is 150,000 shares (100,000 shares for <FONT STYLE="white-space:nowrap">non-employee</FONT> members of the board of directors) and for cash awards is $2.0&nbsp;million.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If any shares of stock covered by an award granted under the 2015 Plan are not purchased or are forfeited or expire, or if an award otherwise
terminates without delivery of any shares of stock subject thereto, or is settled in cash in lieu of shares of stock, then the number of shares of stock counted against the aggregate number of shares of stock available under the 2015 Plan with
respect to the award will again be available for making awards under the 2015 Plan. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Currently Outstanding
Awards</I>.&nbsp;&nbsp;As of the date of this prospectus, 331,000 stock options were issued and outstanding under the 2015 Plan and an aggregate of 669,000 shares of our common stock remain available for issuance under the 2015 Plan. As of the date
of this prospectus, no other types of incentive awards have been issued under the 2015 Plan.<I> </I> </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Adjustments for Changes in
Capitalization</I>.&nbsp;&nbsp;In connection with recapitalizations, stock dividends, stock splits, combination of shares or other changes in the stock, our Compensation Committee will make adjustments that it deems appropriate to the aggregate
number of shares of common stock that may be issued under the 2015 Plan and the terms of outstanding awards. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Incentive
Awards.</I>&nbsp;&nbsp;The 2015 Plan authorizes the grant of stock options, SARs, restricted stock, restricted stock units, performance-based awards, as well as other awards described in the 2015 Plan. The 2015 Plan retains the flexibility to offer
competitive incentives and to tailor benefits to specific needs and circumstances. Any award may be paid or settled in cash. An option or SAR will expire, or other award will vest, in accordance with the schedule set forth in the applicable award
agreement.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Stock Options.</I>&nbsp;&nbsp;A stock option is the right to purchase shares of common stock at a future date at a
specified price per share generally equal to, but no less than, the fair market value of a share on the date of grant. An option may either be an incentive stock option, or ISO, or a nonstatutory stock option, or NSO. ISO benefits are taxed
differently from NSOs, as described below under &#147;&#151;&nbsp;Federal Income Tax Treatment of Awards under the 2015 Plan.&#148; ISOs also are subject to more restrictive terms and are limited in amount by the Internal Revenue Code and the 2015
Plan. Full payment for shares purchased on the exercise of any option must be made at the time of such exercise in a manner approved by the Compensation Committee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>SARs.</I><I></I>&nbsp;&nbsp;A SAR is the right to receive payment of an amount equal to the excess of the fair market value of a share of
common stock on the date of exercise of the SAR over the fair market value of a share of common stock the date on the date of grant.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Restricted Stock.</I><I></I>&nbsp;&nbsp;A restricted stock award is typically for a fixed number of shares of common stock that remain
forfeitable unless and until specified conditions are met. Upon satisfaction of the applicable conditions, the holder of a restricted stock award may sell or transfer the shares.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Restricted Stock Units.</I>&nbsp;&nbsp;A restricted stock unit is an award that entitles the recipient to receive a share of our common
stock or an amount of cash equal to the fair market value of a share of our common stock upon the satisfaction of applicable restrictions. Restricted stock units are similar to restricted stock; however restricted stock units are a promise to
deliver shares or cash, while an award of restricted stock is a grant of actual shares of our common stock subject to transfer restrictions.<I> </I> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">131 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Performance-Based Awards.</I>&nbsp;&nbsp;Our Compensation Committee may designate any award,
the exercisability or settlement of which is subject to the achievement of performance conditions, as a performance-based award that is intended to qualify as performance-based compensation within the meaning of Section&nbsp;162(m) of the Internal
Revenue Code. In order to qualify as performance-based compensation, the performance objectives used for the performance-based award must be from the list of performance objectives set forth in the 2015 Plan, including: growth in interest income and
expense; <FONT STYLE="white-space:nowrap">net-income;</FONT> net interest margin; efficiency ratio; reduction in <FONT STYLE="white-space:nowrap">non-accrual</FONT> loans and <FONT STYLE="white-space:nowrap">non-interest</FONT> expense; growth in <FONT
STYLE="white-space:nowrap">non-interest</FONT> income and ratios to earnings assets; net revenue growth and ratio to earning assets; capital ratios; asset or liability interest rate sensitivity and gap; effective tax rate; deposit growth and
composition; liquidity management; securities portfolio (value, yield, spread, maturity, or duration); earning asset growth and composition (loans, securities); <FONT STYLE="white-space:nowrap">non-interest</FONT> income (e.g., fees, premiums and
commissions, loans, wealth management, treasury management, insurance, funds management); overhead ratios, productivity ratios; credit quality measures; return on assets; return on equity; economic value of equity;&nbsp;compliance and regulatory
ratings; internal controls; enterprise risk measures (e.g.,&nbsp;interest rate, loan concentrations, portfolio composition, credit quality, operational measures, compliance ratings, balance sheet, liquidity, insurance); volume in production or
loans; cash flow; cost; revenues; sales; ratio of debt to debt plus equity; net borrowing, credit quality or debt ratings; profit before tax; economic profit; earnings before interest and taxes;&nbsp;earnings before interest, taxes, depreciation and
amortization; gross margin; profit margin;&nbsp;earnings per share; operating earnings; capital expenditures; expenses or expense levels;&nbsp;economic value added; ratio of operating earnings to capital spending or any other operating ratios; free
cash flow; net profit; net sales; net asset value per share; the accomplishment of mergers, acquisitions, dispositions, public offerings or similar extraordinary business transactions; sales growth; price of the Company&#146;s common stock; return
on investment; return on assets, equity or shareholders&#146; equity; market share; inventory levels, inventory turn or shrinkage; customer satisfaction; or total return to shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our Compensation Committee may select one or more specified performance objectives when establishing the performance measures of a
performance-based award, but such objectives must be set no later than 90 days after the beginning of the applicable performance period. The 2015 Plan allows performance objectives to be described in terms of objectives that are related to an
individual participant or objectives that are Company-wide or related to a subsidiary, division, department, region, function or business unit and may be measured on an absolute or cumulative basis or on the basis of percentage of improvement over
time, and may be measured in terms of Company performance (or performance of the applicable subsidiary, division, department, region, function or business unit) or measured relative to selected peer companies or a market index. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Acceleration of Awards; Possible Early Termination of Awards.</I>&nbsp;&nbsp;Upon a change in control of our Company, outstanding awards
under the 2015 Plan will be assumed or substituted on substantially the same terms. However, if the successor corporation does not assume or substitute the outstanding awards, then vesting of these awards will fully accelerate, and in the case of
options or SARs, will become immediately exercisable. For this purpose a change in control is defined to include certain changes in the majority of our board of directors, the sale of all or substantially all of our assets and the consummation of
certain mergers or consolidations.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Transfer Restrictions.</I>&nbsp;&nbsp;Subject to certain exceptions, awards under the 2015
Plan are not transferable by the recipient other than by will or the laws of descent and distribution and are generally exercisable, during the recipient&#146;s lifetime, only by him or her.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Termination of or Changes to the 2015 Plan.</I><I></I>&nbsp;&nbsp;Our board of directors may, in its discretion, amend, alter or terminate
the 2015 Plan or any award outstanding under the Option Plan at any time and in any manner. Unless required by applicable law or listing agency rule, shareholder approval for any amendment will not be required. Unless previously terminated by our
board of directors, the 2015 Plan will terminate on the tenth anniversary of its effective date. Outstanding awards may be amended, subject, however, to the consent of the holder if the amendment materially and adversely affects the holder.<I> </I>
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">132 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Federal Income Tax Treatment of Awards under the 2015 Plan.</I>&nbsp;&nbsp;Federal income tax
consequences (subject to change) relating to awards under the 2015 Plan are summarized in the following discussion. This summary is not intended to be exhaustive and, among other considerations, does not describe the deferred compensation provisions
of Section&nbsp;409A of the Internal Revenue Code to the extent an award is subject to and does not satisfy those rules, nor does it describe state, local, or international tax consequences.<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">For NSOs, we are generally entitled to deduct (and the optionee recognizes taxable income in) an amount equal to the difference between the
option exercise price and the fair market value of the shares at the time of exercise. For ISOs, we are generally not entitled to a deduction nor does the participant recognize income at the time of exercise. The current federal income tax
consequences of other awards authorized under the 2015 Plan generally follow certain basic patterns: SARs are taxed and deductible in substantially the same manner as NSOs; nontransferable restricted stock subject to a substantial risk of forfeiture
results in income recognition equal to the excess of the fair market value over the price paid (if any) only at the time the restrictions lapse (unless the recipient elects to accelerate recognition as of the date of grant); bonuses and performance
share awards are generally subject to tax at the time of payment; cash-based awards are generally subject to tax at the time of payment; and compensation otherwise effectively deferred is taxed when paid. We will generally have a corresponding
deduction at the time the participant recognizes income. However, as for those awards subject to ISO treatment, we would generally have no corresponding compensation deduction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If an award is accelerated under the 2015 Plan in connection with a change in control (as this term is used under the Internal Revenue Code),
we may not be permitted to deduct the portion of the compensation attributable to the acceleration, commonly called parachute payments, if it exceeds certain threshold limits under the Code (and certain related excise taxes may be triggered).
Furthermore, the aggregate compensation in excess of $1,000,000 attributable to awards which are not &#147;performance-based&#148; within the meaning of Section&nbsp;162(m) of the Internal Revenue Code, or do not fall within any other applicable
exceptions, we may not be permitted a deduction in certain circumstances. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Stock Appreciation Rights Plan </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On January&nbsp;1, 2008, we established the Guaranty Bancshares, Inc. Fair Market Value Stock Appreciation Rights Plan, or SAR Plan, to
provide eligible employees the opportunity to share in the growth of our Company. The SAR Plan enables us to grant SARs to our directors, executive officers and other individuals employed by, or performing services for, the Company or the Bank. A
SAR is the right to receive payment of an amount equal to the excess of the fair market value of a share of common stock on the date of exercise of the SAR over the fair market value of a share of common stock on the date of grant. SARs may be
granted in connection with other awards or independently. Unlike a stock option, which is the right to buy an actual share of our common stock in the future, a SAR is <FONT STYLE="white-space:nowrap">non-dilutive</FONT> and does not result in the
issuance of our common stock to the holder of the SAR. A SAR does not entitle the recipient to any voting rights or any other shareholder rights. The purpose of the SAR Plan is to encourage employees and others providing services to the Company and
the Bank to increase their efforts to make our Company more successful, to provide an inducement for such individuals by providing them the opportunity to shares in the increase in the Company&#146;s equity over time, and to provide a means by which
the Company may attract, encourage and maintain qualified employees. As of December&nbsp;31, 2016, we had 95,700 SARs outstanding, of which 83,500 were vested. The original fair market value, or exercise price, of the SARs ranged from $7.62 to
$21.50 per share. We do not intend to grant additional SARs under the SAR Plan, but may in the future issue additional SARs pursuant to the 2015 Plan, although we have no immediate plans to do so. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employee Bonus Plan </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We sponsor an
Employee Bonus Plan, or Bonus Plan. The Bonus Plan rewards officers and employees based on performance of individual business units of the Company. Earnings and growth performance goals for each business unit and for the Company as a whole are
established at the beginning of the calendar year and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">133 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
approved annually by the board of directors. The Bonus Plan provides for a predetermined bonus amount to be contributed to the employee bonus pool based on (i)&nbsp;earnings target and growth for
individual business units and (ii)&nbsp;achieving certain <FONT STYLE="white-space:nowrap">pre-tax</FONT> return on average equity and <FONT STYLE="white-space:nowrap">pre-tax</FONT> return on average asset levels for the Company as a whole. These
bonus amounts are established annually by our board of directors. In 2016, the Bonus Plan paid out $2.1&nbsp;million based on a <FONT STYLE="white-space:nowrap">pre-tax</FONT> return on average equity and a
<FONT STYLE="white-space:nowrap">pre-tax</FONT> return on average assets of 10.91% and 1.07%, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employee Stock Ownership Plan </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of January&nbsp;1, 1992, the Bank amended and restated its 401(k) profit sharing plan in its entirety as an employee stock ownership plan,
or ESOP, as defined in the Internal Revenue Code, and upon our acquisition of the Bank in 1997, the ESOP became the Guaranty Bancshares, Inc. Employee Stock Ownership Plan with 401(k) Provisions, or KSOP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our&nbsp;KSOP is designed to: (1)&nbsp;qualify as an employee stock ownership plan which is intended to be a stock bonus plan under the
Internal Revenue Code, and Employee Retirement Income Security Act of 1974, as amended, or ERISA; (2)&nbsp;allow participants to make elective contributions in accordance with the Internal Revenue Code; and (3)&nbsp;allow the Bank and/or the Company
to make matching contributions in accordance with the Internal Revenue Code and other contributions in accordance with the Internal Revenue Code and ERISA. Generally, an employee is an eligible participant in the KSOP upon the first day of the month
coincident with or next following the date of hire in a full time position.&nbsp;In general, each such employee shall become eligible to receive allocations of <FONT STYLE="white-space:nowrap">non-elective</FONT> contributions and forfeitures on the
January&nbsp;1 or July&nbsp;1 coincident with completion of six consecutive months of service in which the employee is credited with 500 hours of service.&nbsp;Each such employee of the Company, Bank, and any affiliate shall become eligible to
receive allocations of matching contributions on the January&nbsp;1 or July&nbsp;1 next following or coincident with the employee&#146;s date of hire. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Employees may make elective &#147;traditional&#148; or &#147;Roth&#148; contributions to the plan, up to the maximum dollars amounts allowed
annually by Internal Revenue Code and regulations. The Company has discretion to make matching contributions, on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">dollar-for-dollar</FONT></FONT> basis, with respect to salary
deferrals up to a certain percentage of a participant&#146;s compensation. In 2016, the KSOP contributed matching funds up to 5% of participant compensation. Company matching contributions are intended to be invested primarily in our common
stock.&nbsp;Any cash dividends received by the trustee of the KSOP from shares of our stock held in the KSOP are applied, in the discretion of the trustee, to the purchase of additional shares of our common stock.&nbsp;The trustee of the KSOP is
authorized to purchase our common stock from us directly or from any shareholder, and such stock may be outstanding, newly issued or treasury stock.&nbsp;All such purchases must be at a price not in excess of fair market value, as determined by an
independent appraiser, in accordance with the Internal Revenue Code.&nbsp;As of December&nbsp;31, 2016, the value of the shares of common stock held in the KSOP was determined to be $26.00 per share by our independent appraiser.&nbsp;Because there
is presently no regular public trading market for shares of our common stock, this value obtained for KSOP purposes may not reflect the actual market value of our common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The KSOP was restated for IRS &#147;Cycle <FONT STYLE="white-space:nowrap">A-2&#148;</FONT> on December&nbsp;20, 2011, and received a
favorable IRS Determination Letter for it on August&nbsp;22, 2014. It was subsequently amended to (1)&nbsp;reflect the termination of the Company&#146;s status as a Subchapter S corporation, (2)&nbsp;liberalize the entry date for the matching
contribution, (3)&nbsp;include an automatic enrollment provision for new plan qualified employees, (4)&nbsp;allow forfeiture funds from the KSOP&#146;s cash account to pay plan administration expenses, (5)&nbsp;allow forfeitures from the KSOP&#146;s
Company stock account to be allocated to plan participants (6)&nbsp;eliminate the plan&#146;s participant class exclusion for hourly employees, and (7)&nbsp;adopt a distribution policy giving terminated employee participants the option to either
receive distribution of their Company Stock accounts in kind or have such accounts converted to other investments. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">134 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The KSOP was restated for IRS &#147;Cycle <FONT STYLE="white-space:nowrap">A-3&#148;</FONT> on
December&nbsp;14, 2016, which restatement includes the previous amendments. It was submitted to the IRS for an updated IRS Determination Letter on January&nbsp;31, 2017, which application is currently pending. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As of December&nbsp;31, 2016, the KSOP held 1,319,225 shares of our common stock. The KSOP currently has a $5.0&nbsp;million line of credit
with one of our correspondent banks, of which $1.2&nbsp;million was outstanding as of December&nbsp;31, 2016 and $893,500 is outstanding as of the date of this prospectus. Total compensation accrued or paid to the KSOP for the year ended
December&nbsp;31, 2016 was $935,000. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Supplemental Retirement Plan </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We sponsor a <FONT STYLE="white-space:nowrap">non-qualified,</FONT> <FONT STYLE="white-space:nowrap">non-contributory</FONT> Supplemental
Retirement Plan for the benefit of certain retired officers of the Company. The plan provides certain retired officers a benefit equal to a predetermined percentage of the officer&#146;s final five-year average salary reduced by the aggregate of
(1)&nbsp;any amounts payable under the Company&#146;s retirement plan and (2)&nbsp;certain social security benefits. This plan is unfunded. Amounts accrued for the year ended December&nbsp;31, 2016 totaled $1,000. We recorded a liability under the
Supplemental Retirement Plan of approximately $5,000 for the year ended December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Executive Incentive Retirement Plan </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We sponsor a <FONT STYLE="white-space:nowrap">non-qualified,</FONT> <FONT STYLE="white-space:nowrap">non-contributory</FONT> Executive
Incentive Retirement Plan for the benefit of certain officers of the Bank with a title of senior vice president or above, including all of our named executive officers. This plan provides benefits to such personnel for the attainment of certain
performance criteria in various predetermined amounts equal to targeted awards levels as adjusted for annual earnings performance of the Company. Contributions under this plan are granted annually on a deferred basis. Currently, depending on the
officer, the Bank contributes between 3.0% and 9.0% of the officer&#146;s salary each year into a deferral account, and each officer&#146;s account balance is further credited each year by an amount equal to our annualized return on equity, subject
to a minimum crediting rate of 5.0% and a maximum crediting rate of 13.0%. The Executive Incentive Retirement Plan&#146;s normal retirement benefit is payable following separation from service after reaching age 65, and is payable over 120 months
with a 7.5% post retirement interest rate. This plan also provides a death benefit to the participants. This plan is unfunded. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In
connection with the Executive Incentive Retirement Plan, we have purchased life insurance policies for the individuals participating in such plan. The cash surrender value of the life insurance policies held by us totaled $17.8&nbsp;million for the
year ended December&nbsp;31, 2016. Our expenses related to the Executive Incentive Retirement Plan totaled $390,000 for the year ended December&nbsp;31, 2016, and our recorded liability under the Executive Incentive Retirement Plan totaled
approximately $2.0&nbsp;million for the year ended December&nbsp;31, 2016. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Compensation of Directors </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We pay our directors based on the directors&#146; participation in board of directors and committee meetings held throughout the year, and
Guaranty Bank&nbsp;&amp; Trust pays its directors in the same manner. During 2016, outside directors received an annual retainer of $20,000 and inside directors received an annual retainer of $14,000. In addition, outside directors received $600 per
board meeting attended and inside directors received $300 per board meeting attended. Directors also received a fee per committee meeting attended, which varied based on the particular committee. The Chairman of the Audit Committee received a fee of
$550 per meeting attended, and the other members received a fee of $325 per meeting attended. The Chairman of the Corporate Governance and Nominating Committee and the Chairman of the Compensation Committee each received a fee of $275 per meeting
attended, and the other members of these committees received a fee of $175 per meeting attended. Directors serving on the KSOP Committee received a fee of $200 per meeting attended and inside directors serving as advisory members on the KSOP
Committee received no meeting fees. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">135 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table sets forth compensation paid, earned or awarded during 2016 to each of our
directors other than Messrs. Abston, Lee and Payne, whose compensation is described above in &#147;Summary Compensation Table.&#148; The table also includes compensation earned by each director that is attributable to his service as a director of
Guaranty Bank&nbsp;&amp; Trust. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Fees&nbsp;Earned&nbsp;or&nbsp;Paid&nbsp;in<BR>Cash</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>All Other<BR>&nbsp;&nbsp;&nbsp;&nbsp;Compensation&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total<BR>&nbsp;&nbsp;&nbsp;&nbsp;Compensation&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard W. Baker</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;74,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;74,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James S. Bunch</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bradley K. Drake</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Christopher B. Elliott</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weldon C. Miller</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,275</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,275</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">William D. Priefert</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">35,625</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD VALIGN="bottom" ALIGN="right">12,500<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">48,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:10.0pt;margin-top:0pt;margin-bottom:2pt;margin-left:5%;border-bottom:1px solid #000000; width:30%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="6%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Represents $12,500 paid to Mr.&nbsp;Scharlach pursuant to a consulting agreement. See &#147;&#151;&nbsp;Consulting Agreement&#148; below. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Directors have been and will continue to be reimbursed for travel, food, lodging and other expenses directly related to their activities as
directors. Directors are also entitled to the protection provided by the indemnification provisions in our certificate of formation and bylaws, and, to the extent they are directors of the Bank, the articles of association and bylaws of Guaranty
Bank&nbsp;&amp; Trust. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consulting Agreement </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On February&nbsp;1, 2013, we entered into a Consulting Agreement with Arthur B. Scharlach, Jr., our former Chairman and Chief Executive
Officer, pursuant to which we engaged Mr.&nbsp;Scharlach as a strategic consultant to the Company and Bank until February&nbsp;1, 2016. During the period of his engagement, Mr.&nbsp;Scharlach agreed to provide up to 20 hours of consulting services
per week in the areas of bank operations, personnel, lending and growth strategies. The consulting agreement provided for an annual consulting fee of $150,000, payable in monthly installments. We paid $150,000 in consulting fees to
Mr.&nbsp;Scharlach under the agreement in 2014 and 2015. We paid $12,500 in consulting fees to Mr.&nbsp;Scharlach in 2016, which represented the fees payable to Mr.&nbsp;Scharlach through expiration of the agreement on February&nbsp;1, 2016. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">136 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_14"></A>PRINCIPAL SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table provides information regarding the beneficial ownership of our common stock as April&nbsp;28, 2017, and as adjusted to
reflect the completion of the offering, for: </P>  <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">each person known to us to be the beneficial owner of more than five percent of our common stock; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">each of our directors and named executive officers; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">all directors and executive officers, as a group. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Beneficial ownership is determined in
accordance with the rules of the SEC and generally includes shares over which a person exercises sole or share voting and/or investment power. Shares of common stock subject to options and warrants currently exercisable or exercisable within 60 days
are deemed outstanding for purposes of computing the percentage ownership of the person holding the options or warrants but are not deemed outstanding for purposes of computing the beneficial ownership of any other person. Except as indicated by the
footnotes below, we believe, based on the information furnished to us, that the persons and entities named in the tables below have sole voting and investment power with respect to all shares of common stock that they beneficially own, subject to
applicable community property laws. Unless otherwise noted, the address for each shareholder listed on the table below is: c/o&nbsp;Guaranty Bancshares, Inc., 201 South Jefferson Avenue, Mount Pleasant, Texas 75455. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The table below calculates the percentage of beneficial ownership based on 8,753,933 shares of common stock outstanding as of April 28, 2017
and 10,753,933 shares of common stock outstanding upon completion of this offering, assuming no exercise of the underwriters&#146; option to purchase additional shares. Beneficial ownership representing less than 1% is denoted with an asterisk (*).
The table below does not reflect shares that may be purchased in this offering by the shareholders listed in the table. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Prior&nbsp;to&nbsp;the&nbsp;Offering</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>After&nbsp;the&nbsp;Offering</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Number&nbsp;of<BR>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent<BR>of&nbsp;Class</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Percent<BR>of&nbsp;Class</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Name of Beneficial Owner</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Greater than 5% shareholders</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Guaranty Bancshares, Inc. Employee Stock Ownership Plan<BR>(with 401(k) provisions)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,319,225</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.07</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Directors and named executive officers</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tyson T. Abston<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">152,218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard W. Baker<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">310,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James S. Bunch<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy<SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bradley K. Drake</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">180,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.05</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.67</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Christopher B. Elliott<SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson, Jr.<SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"></TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kirk L. Lee<SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weldon C. Miller<SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">439,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.02</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Clifton A. Payne<SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">216,881</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.48</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.02</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">William D. Priefert<SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,556</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr.<SUP STYLE="font-size:85%; vertical-align:top">(12)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,438</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">All directors and named executive officers,<BR>as a group (12 persons)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,148,324</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.48</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">137 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:30%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Following the completion of this offering, each KSOP participant will have the right to direct the KSOP trustee to vote the shares allocated to his or her account on all matters requiring the vote of our shareholders.
In the event that a participant does not direct the KSOP trustee on how to vote his or her allocated shares, the KSOP trustee will determine how such shares are voted. The KSOP trustee also has the right to vote all shares held by the KSOP that are
not allocated to the participants&#146; accounts and may be deemed the beneficial owner thereof. The business address for our KSOP is P.O. Box 1158, Mount Pleasant, Texas 75456. </TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Includes 80,000 shares held by Mr.&nbsp;Abston individually that have been pledged as collateral to secure outstanding debt obligations, 62,218 shares held by the Company&#146;s KSOP and allocated to
Mr.&nbsp;Abston&#146;s account and 10,000 exercisable options. Following the completion of this offering, each KSOP participant will have the right to direct the KSOP trustee to vote the shares allocated to his or her account on all matters
requiring the vote of our shareholders and as a KSOP participant, Mr.&nbsp;Abston may be deemed the beneficial owner of such shares. </TD></TR></TABLE>  <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Includes 300,000 shares held by Mr.&nbsp;Baker individually and 10,000 shares held by Mr.&nbsp;Baker&#146;s spouse. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Shares are held jointly by Mr.&nbsp;Bunch and his spouse. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">Includes 141,158 shares held by Mr.&nbsp;Conroy individually and 2,000 shares held by Mr.&nbsp;Conroy&#146;s spouse. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Includes 77,820 shares held jointly by Mr.&nbsp;Elliott and his spouse, 20,000 shares of which have been pledged as collateral to secure outstanding debt obligations, 10,000 shares held individually by Mr.&nbsp;Elliott
and 15,938 shares held by Mr.&nbsp;Elliott&#146;s individual retirement account. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">Shares are held jointly by Mr.&nbsp;Johnson and his spouse. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">Includes 64,000 shares held jointly by Mr.&nbsp;Lee and his spouse, 117,629 shares held by the Company&#146;s KSOP and allocated to Mr.&nbsp;Lee&#146;s account and 6,000 exercisable options. Following the completion of
this offering, each KSOP participant will have the right to direct the KSOP trustee to vote the shares allocated to his or her account on all matters requiring the vote of our shareholders and as a KSOP participant, Mr.&nbsp;Lee may be deemed the
beneficial owner of such shares. </TD></TR></TABLE>  <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top">Includes 167,744 shares held by Mr.&nbsp;Miller individually, 120,000 shares of which have been pledged as collateral to secure outstanding debt obligations, 118,094 shares held by the Everybody&#146;s Furniture Company
Profit Sharing Plan&nbsp;&amp; Trust of which Mr.&nbsp;Miller is the trustee, 15,000 shares of which have been pledged as collateral to secure outstanding debt obligations, and 153,848 shares held by the JoAnn Miller Trust, of which
Mr.&nbsp;Miller&#146;s spouse is trustee. </TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top">Includes 80,000 shares held by Mr.&nbsp;Payne individually, 17,500 shares of which have been pledged as collateral to secure outstanding debt obligations, 131,881 shares held by the Company&#146;s KSOP and allocated to
Mr.&nbsp;Payne&#146;s account and 5,000 exercisable options. Following the completion of this offering, each KSOP participant will have the right to direct the KSOP trustee to vote the shares allocated to his or her account on all matters requiring
the vote of our shareholders and as a KSOP participant, Mr.&nbsp;Payne may be deemed the beneficial owner of such shares. </TD></TR></TABLE>  <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top">Includes 92,560 shares held by the William and Shayne Priefert Family Trust and 96,996 shares held by the Priefert Retirement Trust, both of which Mr.&nbsp;Priefert is the trustee. </TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top">Includes 65,394 shares held by Mr.&nbsp;Scharlach individually and 54,044 shares held by Mr.&nbsp;Scharlach&#146;s spouse, all of which have been pledged as collateral to secure outstanding debt obligations.
</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">138 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_15"></A>CERTAIN RELATIONSHIPS AND RELATED PERSONS TRANSACTIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition to the compensation arrangements with directors and executive officers described in &#147;Executive Compensation&#148; above, the
following is a description of each transaction since January&nbsp;1, 2014, and each proposed transaction in which: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we have been or are to be a participant; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the amount involved exceeds or will exceed $120,000; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any of our directors, executive officers or beneficial holders of more than five percent of our capital stock, or any immediate family member of or person sharing the household with any of these individuals (other than
tenants or employees), had or will have a direct or indirect material interest. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Private Sales of Common Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the purchases of our shares of common stock in private transactions conducted pursuant to
applicable exemptions from the registration requirements of the Securities Act since January&nbsp;1, 2014 by certain of our directors, executive officers and beneficial holders of more than five percent of our capital stock and their respective
affiliates: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Issue&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Shares&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Per&nbsp;Share&nbsp;Price&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total&nbsp;Purchase<BR>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Tyson T. Abston (Chairman and Chief Executive Officer)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">200,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard W. Baker (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">820,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">920,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,640,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James S. Bunch (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">287,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,348<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">261,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,167<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">460,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,672<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">321,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bradley K. Drake (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">498,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Christopher B. Elliott (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,580<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">257,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">120,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">102,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">48,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Kirk L. Lee (President)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,148<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">187,534</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weldon C. Miller (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,844<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">447,802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(12)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">345,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Clifton A. Payne (Senior Executive Vice President, Chief Financial Officer and Director)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,126<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(13)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">269,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">May 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(14)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">William D. Priefert (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,708<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(15)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">957,514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">500<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(16)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">139 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Issue&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Shares&nbsp;(1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Per&nbsp;Share&nbsp;Price&nbsp;(1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Total&nbsp;Purchase<BR>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr. (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June&nbsp;2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,600<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(17)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Guaranty Bancshares, Inc. Employee Stock Ownership Plan with 401(k) Provisions (Greater than 5% shareholder)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,818,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March&nbsp;2015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,070,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">The shares and per share prices reflected in this table and in the footnotes accompanying this table have been adjusted to give effect to the Company&#146;s <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">2-for-1</FONT></FONT> stock split that occurred on August&nbsp;20, 2014. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 100,000 shares purchased by Mr.&nbsp;Baker and 10,000 shares purchased by Mr.&nbsp;Baker&#146;s spouse. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Consists of shares purchased jointly by Mr.&nbsp;Bunch and his spouse. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 5,000 shares purchased jointly by Mr.&nbsp;Bunch and his spouse, 4,348 shares purchased by Mr.&nbsp;Bunch&#146;s brother, 1,000 shares purchased by Mr.&nbsp;Bunch&#146;s daughter and 1,000 shares purchased
by Mr.&nbsp;Bunch&#146;s son and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">daughter-in-law.</FONT></FONT> </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 9,000 shares purchased jointly by Mr.&nbsp;Bunch and his spouse, 4,167 shares purchased by Mr.&nbsp;Bunch&#146;s brother, 1,000 shares purchased by Mr.&nbsp;Bunch&#146;s son and <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">daughter-in-law</FONT></FONT> and 1,000 shares purchased by Mr.&nbsp;Bunch&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mother-in-law.</FONT></FONT>
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 14,872 shares purchased by Mr.&nbsp;Conroy and 800 shares purchased by his spouse. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 8,642 shares purchased by Mr.&nbsp;Elliott, 1,358 shares purchased by Mr.&nbsp;Elliott through his individual retirement account and 2,580 shares purchased by Mr.&nbsp;Elliott&#146;s father.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 4,000 share purchased jointly by Mr.&nbsp;Elliott and his spouse and 1,000 shares purchased by Mr.&nbsp;Elliott through his individual retirement account. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(9)</TD>
<TD ALIGN="left" VALIGN="top">Consists of shares purchased jointly by Mr.&nbsp;Johnson and his spouse. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(10)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 8,400 shares purchased jointly in the name of Mr.&nbsp;Lee and his spouse and 748 shares purchased by Mr.&nbsp;Lee&#146;s
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">father-in-law.</FONT></FONT> </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(11)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 11,000 shares purchased by Mr.&nbsp;Miller, 10,370 shares purchased by Everybody&#146;s Furniture Company Profit Sharing Plan&nbsp;&amp; Trust of which Mr.&nbsp;Miller is the trustee and 474 shares purchased
by Mr.&nbsp;Miller&#146;s daughter. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(12)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 11,000 shares purchased by Mr.&nbsp;Miller and 4,000 shares purchased by Everybody&#146;s Furniture Company Profit Sharing Plan&nbsp;&amp; Trust of which Mr.&nbsp;Miller is the trustee. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(13)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 10,950 shares purchased by Mr.&nbsp;Payne and 2,176 shares purchased by Mr.&nbsp;Payne&#146;s brother. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(14)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 1,000 shares purchased by Mr.&nbsp;Payne&#146;s brother. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(15)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 15,312 shares purchased by Mr.&nbsp;Priefert and 112 shares purchased by Mr.&nbsp;Priefert&#146;s spouse, which were transferred during 2016 to the William and Shayne Priefert Family Trust. Also consists of
24,502 shares purchased by the Marvin J. Priefert Testamentary Trust, of which Mr.&nbsp;Priefert&#146;s mother and two sisters are trustees, 840 shares purchased by three of Mr.&nbsp;Priefert&#146;s sons, 5,900 shares purchased by
Mr.&nbsp;Priefert&#146;s mother and 42 shares purchased by Mr.&nbsp;Priefert&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">sister-in-law.</FONT></FONT> </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(16)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 250 shares each purchased by two of Mr.&nbsp;Priefert&#146;s sons. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(17)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 1,600 shares purchased by Mr.&nbsp;Scharlach&#146;s son. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Repurchases of Common Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">From January&nbsp;1, 2014 through December&nbsp;31, 2016, we repurchased 1,206,372 shares of common stock and paid approximately
$28.3&nbsp;million for the shares classified as Treasury Stock in our financial statements. As a private company, we have historically maintained a stock repurchase program pursuant to which, from time to time, we repurchase shares of our common
stock from our shareholders at a price per share equal to the most recent appraisal of our common stock obtained by our KSOP, which occurs on a <FONT STYLE="white-space:nowrap">bi-annual</FONT> basis. We intend to terminate our stock repurchase
program upon completion of this offering. The following table summarizes the repurchases of our shares of common stock from certain of our directors, executive officers and beneficial holders of more than five percent of our capital stock and their
respective affiliates since January&nbsp;1, 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">140 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Repurchase&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Per&nbsp;Share&nbsp;Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total&nbsp;Repurchase<BR>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">May 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">345,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">November&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,436</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">171,028</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,267<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">102,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kirk L. Lee (President)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">May 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr. (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">May 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,500<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">747,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">April 2016&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,600<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">518,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 4,267 shares repurchased from an IRA for the benefit of Mr.&nbsp;Johnson&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mother-in-law.</FONT></FONT> </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 16,250 shares repurchased from Mr.&nbsp;Scharlach and 16,250 shares repurchased from his spouse. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Consists of 6,000 shares repurchased from Mr.&nbsp;Scharlach, 6,000 shares repurchased from his spouse and 9,600 shares repurchased from Mr.&nbsp;Scharlach&#146;s son. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Private Placement of Subordinated Notes </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Periodically, we sell <FONT STYLE="white-space:nowrap">non-convertible,</FONT> unsecured, redeemable debentures to related parties in private
transactions that are conducted pursuant to an exemption from the registration requirements of the Securities Act. The debentures include fixed interest rates and are payable semi-annually until the earlier of maturity or redemption. The debentures
are redeemable in our sole discretion at a redemption price equal to 100% of the outstanding principal amount, plus accrued interest, at any time prior to the stated maturity. See &#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations &#151; Liquidity and Capital Resources&#148; for additional description of the debentures. The following table summarizes subordinated notes outstanding to directors or other related parties as of
December&nbsp;31, 2016. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Note Holder</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Issue Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Par<BR>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Maturity Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Richard Drake Construction (owned by the father of director Bradley K. Drake)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July&nbsp;1,&nbsp;2017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July&nbsp;1, 2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">BWI Companies, Inc. (owned by director James S. Bunch)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1,&nbsp;2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July&nbsp;1, 2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1, 2019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July&nbsp;1, 2020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Richard W. Baker (Director)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1, 2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1, 2019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1, 2019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">January&nbsp;1, 2020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="10"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD>
<TD HEIGHT="10" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gary W. Elliott (father of director Christopher B. Elliott)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">December 2015&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">July&nbsp;1, 2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consulting Agreement </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">On February&nbsp;1, 2013, we entered into a Consulting Agreement with Arthur B. Scharlach, Jr., our former Chairman and Chief Executive
Officer, pursuant to which we engaged Mr.&nbsp;Scharlach as a strategic consultant to the Company and Bank until February&nbsp;1, 2016. The consulting agreement provided for an annual consulting fee of $150,000, payable in monthly installments. We
paid $150,000, $150,000 and $12,500 in consulting fees to Mr.&nbsp;Scharlach under the agreement in 2014, 2015 and 2016, respectively. See &#147;Executive Compensation &#151; Consulting Agreement.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">141 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Ordinary Banking Relationships </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Certain of our officers, directors and principal shareholders, as well as their immediate family members and affiliates, are customers of, or
have or have had transactions with, Guaranty Bank&nbsp;&amp; Trust or us in the ordinary course of business. These transactions include deposits, loans, wealth management products and other financial services related transactions. Related person
transactions are made in the ordinary course of business, on substantially the same terms, including interest rates and collateral (where applicable), as those prevailing at the time for comparable transactions with persons not related to us, and do
not involve more than normal risk of collectability or present other features unfavorable to us. As of December&nbsp;31, 2016, no related person loans were categorized as nonaccrual, past due, restructured or potential problem loans. We expect to
continue to enter into transactions in the ordinary course of business on similar terms with our officers, directors and principal shareholders, as well as their immediate family members and affiliates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Directed Share Program </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">At our
request, the underwriters have reserved up to 140,000 shares of our common stock offered by this prospectus for sale, at the initial public offering price, to our directors, executive officers, employees and certain other persons who have expressed
an interest in purchasing our common stock in this offering. We will offer these shares to the extent permitted under applicable regulations in the United States through a directed share program. See &#147;Underwriting &#151; Directed Share
Program.&#148; </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Policies and Procedures Regarding Related Person Transactions </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Transactions by Guaranty Bank&nbsp;&amp; Trust or us with related persons are subject to a formal written policy, as well as regulatory
requirements and restrictions. These requirements and restrictions include Sections&nbsp;23A and 23B of the Federal Reserve Act and the Federal Reserve&#146;s Regulation W (which govern certain transactions by Guaranty Bank&nbsp;&amp; Trust with its
affiliates) and the Federal Reserve&#146;s Regulation&nbsp;O (which governs certain loans by Guaranty Bank&nbsp;&amp; Trust to its executive officers, directors, and principal shareholders). We have adopted policies to comply with these regulatory
requirements and restrictions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, our board of directors has adopted a written policy governing the approval of related person
transactions that complies with all applicable requirements of the SEC and the NASDAQ Global Select Market concerning related person transactions. Related person transactions are transactions in which we are a participant, the amount involved
exceeds $120,000 and a related person has or will have a direct or indirect material interest. Related persons of Guaranty Bancshares, Inc. include directors (including nominees for election as directors), executive officers, beneficial holders of
more than five percent of our capital stock and the immediate family members of these persons. Our executive management team, in consultation with outside counsel, as appropriate, will review potential related person transactions to determine if
they are subject to the policy. If so, the transaction will be referred to the Corporate Governance and Nominating Committee for approval. In determining whether to approve a related person transaction, the Committee will consider, among other
factors, the fairness of the proposed transaction, the direct or indirect nature of the related person&#146;s interest in the transaction, the appearance of an improper conflict of interests for any director or executive officer taking into account
the size of the transaction and the financial position of the related person, whether the transaction would impair an outside director&#146;s independence, the acceptability of the transaction to our regulators and the potential violations of other
corporate policies. Upon completion of the offering, our Related Person Transactions Policy will be available on our website at www.gnty.com. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">142 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_16"></A>DESCRIPTION OF CAPITAL STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>The following descriptions include summaries of the material terms of our amended and restated certificate of formation and our amended and
restated bylaws. Reference is made to the more detailed provisions of, and the descriptions are qualified in their entirety by reference to, our amended and restated certificate of formation and our amended and restated bylaws, copies of which will
be filed with the SEC as exhibits to the registration statement of which this prospectus is a part, and applicable law. </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are incorporated in the state of Texas. The rights of our shareholders are generally covered by Texas law and our certificate of formation
and bylaws (each as amended and restated and in effect as of the completion of this offering). The terms of our capital stock are therefore subject to Texas law, including the TBOC, and the common and constitutional law of Texas. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and restated certificate of formation authorizes us to issue up to 50,000,000 shares of common stock, par value $1.00 per share,
and 15,000,000 shares of preferred stock, par value $5.00 per share. The authorized but unissued shares of our capital stock are available for future issuance without shareholder approval, unless otherwise required by applicable law or the rules of
any applicable securities exchange. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Common Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Shares Outstanding</I>.&nbsp;&nbsp;As of April&nbsp;28, 2017, 8,753,933 shares of our common stock were issued and outstanding and held by
approximately 412 shareholders of record. We have reserved an additional 1,000,000 shares for issuance in connection with share-based payment awards that may be granted under our 2015 Plan, 331,000 of which are subject to outstanding options as of
the date of this prospectus. In addition, we have reserved 7,367 shares of our common stock for issuance upon the exercise of outstanding stock options issued under the DCB Financial Corp. Stock Option Plan, which we assumed in connection with our
acquisition of DCB Financial Corp. in March 2015. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Voting</I>.&nbsp;&nbsp;Each holder of our common stock is entitled to one vote
for each share on all matters submitted to a vote of shareholders, except as otherwise required by law and subject to the rights and preferences of the holders of any outstanding shares of our preferred stock. Our amended and restated certificate of
formation expressly prohibits cumulative voting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Dividends and Other Distributions</I>.&nbsp;&nbsp;Subject to certain regulatory
restrictions discussed in this prospectus and to the rights of holders of any preferred stock that we may issue, all shares of our common stock are entitled to share equally in dividends from legally available funds, when, as, and if declared by our
board of directors. Upon any voluntary or involuntary liquidation, dissolution or winding up of our affairs, all shares of our common stock would be entitled to share equally in all of our remaining assets available for distribution to our
shareholders after payment of creditors and subject to any prior distribution rights related to our preferred stock. See &#147;Supervision and Regulation &#151; Dividends.&#148;<I> </I> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Preemptive Rights</I>.&nbsp;&nbsp;Holders of our common stock do not have preemptive or subscription rights to acquire any authorized but
unissued shares of our capital stock upon any future issuance of shares.<I> </I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferred Stock </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Upon authorization of our board of directors, we may issue shares of one or more series of our preferred stock from time to time. Our board of
directors may, without any action by holders of common stock or, except as may be otherwise provided in the terms of any series of preferred stock of which there are shares outstanding, holders of preferred stock adopt resolutions to designate and
establish a new series of preferred stock. Upon </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">143 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
establishing such a series of preferred stock, the board will determine the number of shares of preferred stock of that series that may be issued and the rights and preferences of that series of
preferred stock. Our board of directors has not designated or established any series of preferred stock. The rights of any series of preferred stock may include, among others: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">general or special voting rights; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">preferential liquidation or preemptive rights; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">preferential cumulative or noncumulative dividend rights; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">redemption or put rights; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">conversion or exchange rights. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We may issue shares of, or rights to purchase shares of, one
or more series of our preferred stock that have been designated from time to time, the terms of which might: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">adversely affect voting or other rights evidenced by, or amounts otherwise payable with respect to, the common stock or other series of preferred stock; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">discourage an unsolicited proposal to acquire us; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">facilitate a particular business combination involving us. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Any of these actions could have an
anti-takeover effect and discourage a transaction that some or a majority of our shareholders might believe to be in their best interests or in which our shareholders might receive a premium for their stock over our then market price. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Business Combinations under Texas Law </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A
number of provisions of Texas law, our amended and restated certificate of formation and our amended and restated bylaws could have an anti-takeover effect and make more difficult the acquisition of the Company by means of a tender offer, a proxy
contest or otherwise and the removal of our directors or management. These provisions are intended to discourage coercive takeover practices and inadequate takeover bids and to encourage persons seeking to acquire control of the Company to negotiate
first with our board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are subject to the provisions of Title 2, Chapter 21, Subchapter M of the TBOC, or the Texas
Business Combination Law, which provides that a Texas corporation that qualifies as an &#147;issuing public corporation&#148; (as defined in the Texas Business Combination Law) may not engage in specified types of business combinations, including
mergers, consolidations and asset sales, with a person, or an affiliate or associate of that person, who is an &#147;affiliated shareholder.&#148; For purposes of this law, an &#147;affiliated shareholder&#148; is, or was, during the prior three
years, the beneficial owner of 20.0% or more of the corporation&#146;s voting shares. The prohibition on certain transactions with such affiliated shareholders extends for a three-year period from the date such shareholder first becomes an
affiliated shareholder. These prohibitions do not apply if: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the business combination or the acquisition of shares by the affiliated shareholder was approved by the board of directors of the corporation before the affiliated shareholder became an affiliated shareholder; or
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the business combination was approved by the affirmative vote of the holders of at least <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the outstanding voting shares of the corporation not beneficially owned by
the affiliated shareholder or an affiliate or associate of the affiliated shareholder, at a meeting of shareholders called for that purpose, not less than six months after the affiliated shareholder became an affiliated shareholder.
</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">144 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As we currently have more than 100 shareholders, we are considered an &#147;issuing public
corporation&#148; for purposes of this law. The Texas Business Combination Law does not apply to the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the business combination of an issuing public corporation where the corporation&#146;s original certificate of formation or bylaws contain a provision expressly electing not to be governed by the Texas Business
Combination Law, or its certificate of formation or bylaws have been amended by the affirmative vote of the holders, other than affiliated shareholders, of at least <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the outstanding voting shares
of the corporation, expressly electing not to be governed by the Texas Business Combination Law and so long as the amendment does not take effect for 18 months following the date of the vote and does not apply to a business combination with an
affiliated shareholder who became affiliated on or before the effective date of the amendment; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a business combination of an issuing public corporation with an affiliated shareholder that became an affiliated shareholder inadvertently, if the affiliated shareholder divests itself, as soon as possible, of enough
shares to no longer be an affiliated shareholder and would not at any time within the three-year period preceding the announcement of the business combination have been an affiliated shareholder but for the inadvertent acquisition;
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a business combination with an affiliated shareholder who became an affiliated shareholder through a transfer of shares by will or intestacy and continuously was an affiliated shareholder until the announcement date of
the business combination; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a business combination of a corporation with its wholly owned subsidiary, if the subsidiary is a Texas entity and not an affiliate or associate of the affiliated shareholder other than by reason of the affiliated
shareholder&#146;s beneficial ownership of voting shares of the corporation. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Neither our amended and restated certificate
of formation nor our amended and restated bylaws contain any provision expressly providing that we will not be subject to the Texas Business Combination Law. As a result, the Texas Business Combination Law may prevent a <FONT
STYLE="white-space:nowrap">non-negotiated</FONT> merger or other business combination involving us, even if such a merger or combination would be beneficial to our shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Certain Certificate of Formation and Bylaw Provisions Potentially Having an Anti-takeover Effect </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and restated certificate of formation and our amended and restated bylaws contain certain provisions that may have the effect of
deterring or discouraging, among other things, a <FONT STYLE="white-space:nowrap">non-negotiated</FONT> tender or exchange offer for our common stock, a proxy contest for control of Guaranty Bancshares, Inc., the assumption of control of Guaranty
Bancshares, Inc. by a holder of a large block of our common stock and the removal of our directors or management. These provisions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">empower our board of directors, without shareholder approval, to issue our preferred stock, the terms of which, including voting power, are set by our board of directors; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">divide our board of directors into three classes serving staggered three-year terms; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">provide that directors may only be removed from office for cause and only upon a majority shareholder vote; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">eliminate cumulative voting in elections of directors; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">permit our board of directors to alter, amend or repeal our amended and restated bylaws or to adopt new bylaws; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require the request of holders of at least 50.0% of the outstanding shares of our capital stock entitled to vote at a meeting to call a special shareholders&#146; meeting; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">145 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">prohibit shareholder action by less than unanimous written consent, thereby requiring virtually all actions to be taken at a meeting of the shareholders; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require any shareholder derivative suit or shareholder claim against an officer or director to be brought in Titus County; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require shareholders that wish to bring business before our annual meeting of shareholders or nominate candidates for election as directors at our annual meeting of shareholders to provide timely notice of their intent
in writing; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">enable our board of directors to increase, between annual meetings, the number of persons serving as directors and to fill up to two vacancies created as a result of the increase by a majority vote of the directors
present at a meeting of directors. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and restated bylaws may have the effect of precluding a contest for the
election of directors or the consideration of shareholder proposals if the established procedures for advance notice are not followed, or of discouraging or deterring a third party from conducting a solicitation of proxies to elect its own slate of
directors or to approve its proposal without regard to whether consideration of the nominees or proposals might be harmful or beneficial to us and our shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exclusive Forum </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and
restated certificate of formation provides that, subject to certain exceptions, the state courts located in Titus County, Texas, the county in which our headquarters in Mount Pleasant lie, shall be the sole and exclusive forum for certain
shareholder litigation matters. Although we believe this provision benefits us by providing increased consistency in the application of Texas law in the types of lawsuits to which it applies and in limiting our litigation costs, the provision may
have the effect of discouraging lawsuits against our directors and officers and may limit our shareholders&#146; ability to obtain a favorable judicial forum for disputes with us. However, it is possible that a court could rule that this provision
is unenforceable or inapplicable to a particular dispute. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Limitation of Liability and Indemnification of Officers and Directors </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and restated certificate of formation provides that our directors are not liable to the Company or our shareholders for monetary
damages for an act or omission in their capacity as a director to the fullest extent provided by applicable Texas law. A director may, however, be found liable for: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any breach of the director&#146;s duty of loyalty to the Company or our shareholders; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">acts or omissions not in good faith that constitute a breach of the director&#146;s duty to the Company; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">acts or omissions not in good faith that involve intentional misconduct or a knowing violation of law; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">any transaction from which the director receives an improper benefit, whether or not the benefit resulted from an action taken with the scope of the director&#146;s duties; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">acts or omissions for which the liability of the director is expressly provided by an applicable statute. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our amended and restated certificate of formation also provides that we will indemnify our directors and officers, and may indemnify our
employees and agents, to the fullest extent permitted by applicable Texas law from any expenses, liabilities or other matters. To the extent that indemnification for liabilities arising under the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">146 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Securities Act may be permitted to our directors, officers and controlling persons, we have been advised that, in the opinion of the SEC, this indemnification is against public policy as
expressed in the Securities Act and is, therefore, unenforceable. Finally, our ability to provide indemnification to our directors and officers is limited by federal banking laws and regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Transfer Agent and Registrar </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Computershare Trust Company, N.A. serves as our transfer agent and registrar. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Listing and Trading </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have applied to
list our common stock on the NASDAQ Global Select Market under the symbol &#147;GNTY.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">147 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_17"></A>SHARES ELIGIBLE FOR FUTURE SALE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Actual or anticipated issuances or sales of substantial amounts of our common stock following this offering could cause the market price of
our common stock to decline significantly and make it more difficult for us to sell equity or equity-related securities in the future at a time and on terms that we deem appropriate. The issuance of any shares of our common stock in the future also
would, and equity-related securities could, dilute the percentage ownership interest held by shareholders prior to such issuance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Upon completion of this offering, we will have 10,753,933 shares of common stock issued and outstanding (11,053,933 shares if the underwriters
exercise in full their option to purchase additional shares). In addition, we have reserved (1) 1,000,000 shares for issuance in connection with share-based payment awards that may be granted under our 2015 Plan, 331,000 of which are subject to
outstanding options as of the date of this prospectus, and (2) 7,367 shares of our common stock for issuance upon the exercise of outstanding stock options issued under the DCB Financial Corp. Stock Option Plan, which we assumed in connection with
our acquisition of DCB Financial Corp. in March 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Of these shares, the 2,000,000 shares sold in this offering (or 2,300,000 shares,
if the underwriters exercise in full their option to purchase additional shares) will be freely tradable without further restriction or registration under the Securities Act, except that any shares purchased by our &#147;affiliates&#148; may
generally only be resold in compliance with Rule 144 under the Securities Act, which is described below. The remaining 8,753,933 outstanding shares will be deemed to be &#147;restricted securities&#148; as that term is defined in Rule 144.
Restricted securities may be resold in the U.S. only if they are registered for resale under the Securities Act or exemption from registration is available. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Our directors and executive officers, certain directors and executive officers of Guaranty Bank&nbsp;&amp; Trust, and certain other persons,
who will own in the aggregate approximately 5,879,881 shares, or approximately 54.7% of our common stock after the completion of this offering (assuming they do not purchase any shares in this offering), have entered into <FONT
STYLE="white-space:nowrap">lock-up</FONT> agreements under which they have generally agreed not to sell or otherwise transfer their shares for a period of 180 days after the closing of this offering. In addition, we have reserved up to 140,000
shares of our common stock offered by this prospectus for sale through a directed share program, at the initial public offering price, to our directors, executive officers, employees and certain other persons who have expressed an interest in
purchasing our common stock in this offering. Any shares sold in the directed share program will be subject to the 180-day lock-up agreement. See &#147;Underwriting &#151; <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreements&#148; for a
description of the terms, including any exceptions to the provisions of these agreements. As a result of these contractual restrictions, shares of our common stock subject to <FONT STYLE="white-space:nowrap">lock-up</FONT> agreements will not be
eligible for sale until these agreements expire or the underwriters waive or release the shares of our common stock from these restrictions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Following the <FONT STYLE="white-space:nowrap">lock-up</FONT> period, all of the shares of our common stock that are restricted securities or
are held by our affiliates as of the date of this prospectus will be eligible for resale in the U.S. only if they are registered for resale under the Securities Act or an exemption from registration, such as Rule 144, is available. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Rule 144 </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">All shares of our common
stock held by our &#147;affiliates,&#148; as that term is defined in Rule&nbsp;144 under the Securities Act, generally may be sold in the public market only in compliance with Rule 144. Rule 144 defines an affiliate as any person who directly or
indirectly controls, or is controlled by, or is under common control with, the issuer, which generally includes our directors, executive officers, 10% shareholders and certain other related persons. Upon the completion of this offering, we expect
that approximately 29.6% of our outstanding common stock (30.4% of our outstanding common stock if the underwriters exercise in full their option to purchase additional shares) will be held by &#147;affiliates&#148; (assuming they do not purchase
any shares in this offering). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">148 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Under Rule 144 under the Securities Act, a person (or persons whose shares are aggregated)
who is deemed to be, or to have been during the three months preceding the sale, an &#147;affiliate&#148; of ours would be entitled to sell within any three-month period a number of shares that does not exceed the greater of 1% of the then
outstanding shares of our common stock, which would be approximately 107,539 shares of our common stock immediately after this offering assuming the underwriters do not elect to exercise their option to purchase additional shares, or the average
weekly trading volume of our common stock on the NASDAQ Global Select Market during the four calendar weeks preceding such sale. Sales under Rule 144 are also subject to a <FONT STYLE="white-space:nowrap">six-month</FONT> holding period and
requirements relating to manner of sale, the availability of current public information about us and the filing of a form in certain circumstances. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Rule 144 also provides that a person who is not deemed to have been an affiliate of ours at any time during the three months preceding a sale,
and who has for at least six months beneficially owned shares of our common stock that are restricted securities, will be entitled to freely sell such shares of our common stock subject only to the availability of current public information
regarding us. A person who is not deemed to have been an affiliate of ours at any time during the three months preceding a sale, and who has beneficially owned for at least one year shares of our common stock that are restricted securities, will be
entitled to freely sell such shares of our common stock under Rule 144 without regard to the current public information requirements of Rule 144. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Form
<FONT STYLE="white-space:nowrap">S-8</FONT> Registration Statement </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We intend to file&nbsp;with the SEC a registration statement on <FONT
STYLE="white-space:nowrap">Form&nbsp;S-8</FONT> to register an aggregate of approximately 1,000,000 shares of our common stock issued or reserved for issuance under the 2015 Plan and an indeterminate amount of plan interests in our common stock to
be offered and sold pursuant to the KSOP. This registration statement is expected to be filed and become effective as soon as practicable after the completion of this offering. Upon effectiveness, the shares of common stock covered by that
registration statement will be eligible for sale in the public market, subject to the <FONT STYLE="white-space:nowrap">lock-up</FONT> agreements and Rule 144 restrictions described above. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">149 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_18"></A>SUPERVISION AND REGULATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The U.S. banking industry is
highly regulated under federal and state law. Consequently, our growth and earnings performance will be affected not only by management decisions and general and local economic conditions, but also by the statutes administered by, and the
regulations and policies of, various governmental regulatory authorities. These authorities include the Federal Reserve, FDIC, CFPB, OCC, IRS and state taxing authorities. The effect of these statutes, regulations and policies, and any changes to
such statutes, regulations and policies, can be significant and cannot be predicted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The primary goals of the bank regulatory scheme are
to maintain a safe and sound banking system, facilitate the conduct of sound monetary policy and promote fairness and transparency for financial products and services. The system of supervision and regulation applicable to us and our subsidiaries
establishes a comprehensive framework for their respective operations and is intended primarily for the protection of the FDIC&#146;s Deposit Insurance Fund, the Bank&#146;s depositors and the public, rather than our shareholders or creditors. The
description below summarizes certain elements of the applicable bank regulatory framework. This description is not intended to describe all laws and regulations applicable to us and our subsidiaries, and the description is qualified in its entirety
by reference to the full text of the statutes, regulations, policies, interpretive letters and other written guidance that are described herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Guaranty Bancshares, Inc. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a bank
holding company, we are subject to regulation under the Bank Holding Company Act of 1956, or the BHC Act, and to supervision, examination and enforcement by the Federal Reserve. The BHC Act and other federal laws subject bank holding companies to
particular restrictions on the types of activities in which they may engage, and to a range of supervisory requirements and activities, including regulatory enforcement actions for violations of laws and regulations. The Federal Reserve&#146;s
jurisdiction also extends to any company that we directly or indirectly control, such as any nonbank subsidiaries and other companies in which we own a controlling investment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Financial Services Industry Reform.</I>&nbsp;&nbsp;On July&nbsp;21, 2010, the Dodd-Frank Act was enacted. The Dodd-Frank Act broadly
affects the financial services industry by implementing changes to the financial regulatory landscape aimed at strengthening the sound operation of the financial services sector, including provisions that, among other things: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">establish the CFPB, an independent organization within the Federal Reserve dedicated to promulgating and enforcing consumer protection laws applicable to all entities offering consumer financial products or services;
</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">apply the same leverage and risk&#150;based capital requirements that apply to insured depository institutions to most bank holding companies, which, among other things, will require us to deduct all trust preferred
securities issued on or after May&nbsp;19, 2010 from our Tier 1 capital (existing trust preferred securities issued prior to May&nbsp;19, 2010 for all bank holding companies with less than $15.0&nbsp;billion in total consolidated assets as of
December&nbsp;31, 2009 are exempt from this requirement); </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">broaden the base for FDIC insurance assessments from the amount of insured deposits to average total consolidated assets less average tangible equity during the assessment period (subject to risk-based adjustments that
would further reduce the assessment base for custodial banks) rather than domestic deposits; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">permanently increase FDIC deposit insurance maximum to $250,000; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">150 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">eliminate the upper limit for the reserve ratio designated by the FDIC each year, increase the minimum designated reserve ratio of the deposit insurance fund from 1.15% to 1.35% of the estimated amount of total insured
deposits by September&nbsp;30, 2020 and eliminate the requirement that the FDIC pay dividends to depository institutions when the reserve ratio exceeds certain thresholds; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">permit banking organizations with less than $15.0&nbsp;billion in consolidated assets as of December&nbsp;31, 2009 to include in Tier 1 capital trust preferred securities and cumulative perpetual preferred stock issued
and included in Tier 1 capital prior to May&nbsp;19, 2010 on a permanent basis, without any phase out; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">permit banks to engage in <I>de novo</I> interstate branching if the laws of the state where the new branch is to be established would permit the establishment of the branch if it were part of a bank that were chartered
by such state; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">repeal the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions to pay interest on business transaction and other accounts; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">requires bank holding companies and banks to be &#147;well capitalized&#148; and &#147;well managed&#148; in order to acquire banks located outside of their home state and requires any bank holding company electing to
be treated as a financial holding company to be &#147;well capitalized&#148; and &#147;well managed;&#148; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">directs the Federal Reserve to establish interchange fees for debit cards under a &#147;reasonable and proportional cost&#148; per transaction standard; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increases regulation of consumer protections regarding mortgage originations, including originator compensation, minimum repayment standards, and prepayment consideration; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">restricts the preemption of select state laws by federal banking law applicable to national banks and removes federal preemption for subsidiaries and affiliates of national banks; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">implement corporate governance revisions, including with regard to executive compensation and proxy access by shareholders, that apply to all public companies, not just financial institutions; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increase the authority of the Federal Reserve to examine us and any nonbank subsidiaries. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In
addition, the Dodd-Frank Act addresses many investor protection, corporate governance and executive compensation matters that will affect publicly-traded companies. However, under the JOBS Act there are certain exceptions to these requirements for
so long as a publicly-traded qualifies as an emerging growth company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The requirements of the Dodd-Frank Act are still in the process of
being implemented over time and most will be subject to regulations implemented over the course of several years. Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various
regulatory agencies and through regulations, the full extent of the impact such requirements will have on our operations is unclear. Further, the Trump administration issued an executive order on February&nbsp;3, 2017, outlining a number of
&#147;Core Principles&#148; of regulation of the industry and directing the Secretary of the Treasury to submit a report by June&nbsp;3, 2017, identifying any laws, rules or regulations (including those promulgated under the auspices of the
Dodd-Frank Act) that are determined to be inconsistent with those principles. Changes resulting from further implementation of, changes to, or repeal of the Dodd-Frank Act may impact the profitability of our business activities, require changes to
certain of our business practices, impose upon us more stringent capital, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">151 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
liquidity and leverage requirements or otherwise adversely affect our business. These changes may also require us to invest significant management attention and resources to evaluate and make any
changes necessary to comply with new statutory and regulatory requirements. Failure to comply with the new requirements may negatively impact our results of operations and financial condition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Revised Rules on Regulatory Capital.</I><I></I>&nbsp;&nbsp;Regulatory capital rules pursuant to the Basel III requirements, released in
July 2013 and effective January&nbsp;1, 2015, implement higher minimum capital requirements for bank holding companies and banks. These rules include a new common equity Tier 1, or CET1, capital requirement and establish criteria that instruments
must meet to be considered common equity Tier 1 capital, additional Tier 1 capital or Tier 2 capital. These enhancements are designed to both improve the quality and increase the quantity of capital required to be held by banking organizations,
better equipping the U.S. banking system to cope with adverse economic conditions. The revised capital rules require banks and bank holding companies to maintain a minimum CET1 capital ratio of 4.5% of risk-based assets, a total Tier 1 capital ratio
of 6.0% of risk-based assets, a total capital ratio of 8.0% of risk-based assets and a leverage ratio of 4.0% of average assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The
capital rules also require banks to maintain a CET1 capital ratio of 6.5%, a total Tier 1 capital ratio of 8.0%, a total capital ratio of 10.0% and a leverage ratio of 5.0% to be deemed &#147;well capitalized&#148; for purposes of certain rules and
prompt corrective action requirements. The risk-based ratios include a &#147;capital conservation buffer&#148; of 2.5% above its minimum risk-based capital requirements that must be composed of common equity Tier 1 capital. This buffer will help to
ensure that banking organizations conserve capital when it is most needed, allowing them to better weather periods of economic stress. The buffer is measured relative to risk-weighted assets. The capital conservation buffer began phasing in in
January 2016 at 0.625% of risk-weighted assets and will increase by that amount each year until fully implemented in January 2019. Although these new capital ratios do not become fully phased in until 2019, the banking regulators will generally
expect bank holding companies and banks to meet these requirements well ahead of that date. An institution would be subject to limitations on certain activities including payment of dividends, share repurchases and discretionary bonuses to executive
officers if its capital level is below the buffered ratio. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The new capital rules also attempt to improve the quality of capital by
implementing changes to the definition of capital. Among the most important changes are stricter eligibility criteria for regulatory capital instruments that would disallow the inclusion of certain instruments, such as trust preferred securities
(other than grandfathered trust preferred securities such as those issued by the Company), in Tier 1 capital going forward and new constraints on the inclusion of minority interests, mortgage-servicing assets, deferred tax assets and certain
investments in the capital of unconsolidated financial institutions. In addition, the new rule requires that most regulatory capital deductions be made from CET1 capital. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Federal Reserve may also set higher capital requirements for holding companies whose circumstances warrant it. For example, holding
companies experiencing internal growth or making acquisitions are expected to maintain strong capital positions substantially above the minimum supervisory levels, without significant reliance on intangible assets. At this time, the bank regulatory
agencies are more inclined to impose higher capital requirements to meet well-capitalized standards and future regulatory change could impose higher capital standards as a routine matter. The Company&#146;s regulatory capital ratios and those of the
Bank are in excess of the levels established for &#147;well-capitalized&#148; institutions under the rules. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">These rules also set forth
certain changes in the methods of calculating certain risk-weighted assets, which in turn will affect the calculation of risk based ratios. Under the new rules, higher or more sensitive risk weights have been assigned to various categories of
assets, including, certain credit facilities that finance the acquisition, development or construction of real property, certain exposures or credits that are 90 days past due or on <FONT STYLE="white-space:nowrap">non-accrual</FONT> status, foreign
exposures and certain corporate exposures. In addition, these rules include greater recognition of collateral and guarantees, and revised capital treatment for derivatives and repo-style transactions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Imposition of Liability for Undercapitalized Subsidiaries.</I>&nbsp;&nbsp;Bank regulators are required to take prompt corrective action to
resolve problems associated with insured depository institutions whose capital declines </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">152 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
below certain levels. In the event an institution becomes undercapitalized, it must submit a capital restoration plan. The capital restoration plan will not be accepted by the regulators unless
each company having control of the undercapitalized institution guarantees the subsidiary&#146;s compliance with the capital restoration plan up to a certain specified amount. Any such guarantee from a depository institution&#146;s holding company
is entitled to a priority of payment in bankruptcy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The aggregate liability of the holding company of an undercapitalized bank is limited
to the lesser of 5.0% of the institution&#146;s assets at the time it became undercapitalized or the amount necessary to cause the institution to be adequately capitalized. The bank regulators have greater power in situations where an institution
becomes significantly or critically undercapitalized or fails to submit a capital restoration plan. For example, a bank holding company controlling such an institution can be required to obtain prior Federal Reserve approval of proposed dividends,
or might be required to consent to a consolidation or to divest the troubled institution or other affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Acquisitions by Bank
Holding Companies.</I>&nbsp;&nbsp;The BHC Act requires every bank holding company to obtain the prior approval of the Federal Reserve before it acquires all or substantially all of the assets of any bank, or ownership or control of any voting shares
of any bank or bank holding company if after such acquisition it would own or control, directly or indirectly, more than 5.0% of the voting shares of such bank or bank holding company. In approving bank or bank holding company acquisitions by bank
holding companies, the Federal Reserve is required to consider, among other things, the effect of the acquisition on competition, the financial condition, managerial resources and future prospects of the bank holding company and the banks concerned,
the convenience and needs of the communities to be served (including the record of performance under the CRA), the effectiveness of the applicant in combating money laundering activities and the extent to which the proposed acquisition would result
in greater or more concentrated risks to the stability of the U.S. banking or financial system. Our ability to make future acquisitions will depend on our ability to obtain approval for such acquisitions from the Federal Reserve. The Federal Reserve
could deny our application based on the above criteria or other considerations. For example, we could be required to sell banking centers as a condition to receiving regulatory approval, which condition may not be acceptable to us or, if acceptable
to us, may reduce the benefit of a proposed acquisition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Control Acquisitions.</I>&nbsp;&nbsp;Federal and state laws, including the
BHCA and the CBCA, impose additional prior notice or approval requirements and ongoing regulatory requirements on any investor that seeks to acquire direct or indirect &#147;control&#148; of an FDIC-insured depository institution or bank holding
company. Whether an investor &#147;controls&#148; a depository institution is based on all of the facts and circumstances surrounding the investment. As a general matter, an investor is deemed to control a depository institution or other company if
the investor owns or controls 25.0% or more of any class of voting securities. Subject to rebuttal, an investor is presumed to control a depository institution or other company if the investor owns or controls 10.0% or more of any class of voting
securities and either the depository institution or company is a public company or no other person will hold a greater percentage of that class of voting securities after the acquisition. If an investor&#146;s ownership of our voting securities were
to exceed certain thresholds, the investor could be deemed to &#147;control&#148; us for regulatory purposes, which could subject such investor to regulatory filings or other regulatory consequences. The requirements of the BHCA and the CBCA could
limit our access to capital and could limit parties who could acquire shares of our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Regulatory Restrictions on
Dividends; Source of Strength.</I>&nbsp;&nbsp;We are regarded as a legal entity separate and distinct from Guaranty Bank&nbsp;&amp; Trust. The principal source of our revenues is dividends received from Guaranty Bank&nbsp;&amp; Trust. Federal law
currently imposes limitations upon certain capital distributions by national banks, such as certain cash dividends, payments to repurchase or otherwise acquire its shares, payments to shareholders of another institution in a <FONT
STYLE="white-space:nowrap">cash-out</FONT> merger and other distributions charged against capital. The Federal Reserve and OCC regulate all capital distributions by the Bank directly or indirectly to the Company, including dividend payments. The
Federal Reserve has issued a policy statement that provides that a bank holding company should not pay dividends unless (1)&nbsp;its net income over the last four quarters (net of dividends paid) has been sufficient to fully fund the dividends,
(2)&nbsp;the prospective rate of earnings retention appears to be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">153 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
consistent with the capital needs, asset quality and overall financial condition of the bank holding company and its subsidiaries and (3)&nbsp;the bank holding company will continue to meet
minimum required capital adequacy ratios. Accordingly, we should not pay cash dividends that exceed our net income in any year or that can only be funded in ways that weaken our financial strength, including by borrowing money to pay dividends. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Under Federal Reserve policy, bank holding companies have historically been required to act as a source of financial and managerial strength
to each of their banking subsidiaries, and the Dodd&#150;Frank Act codified this policy as a statutory requirement. Under this requirement, we are expected to commit resources to support Guaranty Bank&nbsp;&amp; Trust, including at times when we may
not be in a financial position to provide such resources. Any capital loans by a bank holding company to any of its subsidiary banks are subordinate in right of payment to deposits and to certain other indebtedness of such subsidiary banks. As
discussed below, a bank holding company, in certain circumstances, could be required to guarantee the capital restoration plan of an undercapitalized banking subsidiary. If the capital of Guaranty Bank&nbsp;&amp; Trust were to become impaired, the
Federal Reserve could assess us for the deficiency. If we failed to pay the assessment within three months, the Federal Reserve could order the sale of our stock in Guaranty Bank&nbsp;&amp; Trust to cover the deficiency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In the event of a bank holding company&#146;s bankruptcy under Chapter 11 of the U.S. Bankruptcy Code, the trustee will be deemed to have
assumed and will be required to cure immediately any deficit under any commitment by the debtor holding company to any of the federal banking agencies to maintain the capital of an insured depository institution, and any claim for breach of such
obligation will generally have priority over most other unsecured claims. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Scope of Permissible Activities.</I>&nbsp;&nbsp;Under the
BHC Act, we are prohibited from acquiring a direct or indirect interest in or control of more than 5.0% of the voting shares of any company that is not a bank or financial holding company and from engaging directly or indirectly in activities other
than those of banking, managing or controlling banks or furnishing services to or performing services for its subsidiary banks, except that we may engage in, directly or indirectly, and may own shares of companies engaged in certain activities found
by the Federal Reserve to be so closely related to banking or managing and controlling banks as to be a proper incident thereto. These activities include, among others, operating a mortgage, finance, credit card or factoring company; performing
certain data processing operations; providing investment and financial advice; acting as an insurance agent for certain types of credit-related insurance; leasing personal property on a full-payout, nonoperating basis; and providing certain stock
brokerage and investment advisory services. In approving acquisitions or the addition of activities, the Federal Reserve considers, among other things, whether the acquisition or the additional activities can reasonably be expected to produce
benefits to the public, such as greater convenience, increased competition, or gains in efficiency, that outweigh such possible adverse effects as undue concentration of resources, decreased or unfair competition, conflicts of interest or unsound
banking practices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, the Gramm-Leach-Bliley Act, also known as the Financial Services Modernization Act of
1999, effective March&nbsp;11, 2000, or the GLB Act, amended the BHC Act and eliminated the barriers to affiliations among banks, securities firms, insurance companies and other financial service providers. The GLB Act permits bank holding companies
to become financial holding companies and thereby affiliate with securities firms and insurance companies and engage in other activities that are financial in nature. The GLB Act defines &#147;financial in nature&#148; to include, among other
things, securities underwriting, dealing and market making; sponsoring mutual funds and investment companies; insurance underwriting and agency; merchant banking activities; and activities that the Federal Reserve has determined to be closely
related to banking. No regulatory approval will be required for a financial holding company to acquire a company, other than a bank or savings association, engaged in activities that are financial in nature or incidental to activities that are
financial in nature, as determined by the Federal Reserve. We currently have no plans to make a financial holding company election, although we may make a financial holding company election in the future if we engage in any lines of business that
are impermissible for bank holding companies but permissible for financial holding companies. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">154 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Safe and Sound Banking Practices.</I>&nbsp;&nbsp;Bank holding companies are not permitted to
engage in unsafe and unsound banking practices. The Federal Reserve&#146;s Regulation Y, for example, generally requires a bank holding company to provide the Federal Reserve with prior notice of any redemption or repurchase of its own equity
securities, if the consideration to be paid, together with the consideration paid for any repurchases or redemptions in the preceding year, is equal to 10.0% or more of the bank holding company&#146;s consolidated net worth. The Federal Reserve may
oppose the transaction if it believes that the transaction would constitute an unsafe or unsound practice or would violate any law or regulation. In certain circumstances, the Federal Reserve could take the position that paying a dividend would
constitute an unsafe or unsound banking practice. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Federal Reserve has broad authority to prohibit activities of bank holding
companies and their nonbanking subsidiaries which represent unsafe and unsound banking practices, result in breaches of fiduciary duty or which constitute violations of laws or regulations, and can assess civil money penalties or impose enforcement
action for such activities. The penalties can be as high as $1,000,000 for each day the activity continues. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Anti-tying
Restrictions.</I>&nbsp;&nbsp;Bank holding companies and their affiliates are prohibited from tying the provision of certain services, such as extensions of credit, to other nonbanking services offered by a bank holding company or its affiliates.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Guaranty Bank&nbsp;&amp; Trust, N.A. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Bank is subject to various requirements and restrictions under the laws of the United States, and to regulation, supervision and
examination by the OCC. The Bank is also an insured depository institution and, therefore, subject to regulation by the FDIC, although the OCC is the Bank&#146;s primary federal regulator. The OCC and the FDIC have the power to enforce compliance
with applicable banking statutes and regulations. Such requirements and restrictions include requirements to maintain reserves against deposits, restrictions on the nature and amount of loans that may be made and the interest that may be charged
thereon and restrictions relating to investments and other activities of the Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Capital Adequacy Requirements.</I>&nbsp;&nbsp;The
OCC monitors the capital adequacy of the Bank by using a combination of risk-based guidelines and leverage ratios. The OCC considers the Bank&#146;s capital levels when taking action on various types of applications and when conducting supervisory
activities related to the safety and soundness of the Bank and the banking system. Under the revised capital rules which became effective on January&nbsp;1, 2015, national banks are required to maintain four minimum capital standards: (1)&nbsp;a
Tier 1 capital to adjusted total assets ratio, or &#147;leverage capital ratio,&#148; of at least 4.0%, (2)&nbsp;a Tier 1 capital to risk-weighted assets ratio, or &#147;Tier 1 risk-based capital ratio,&#148; of at least 6.0%, (3)&nbsp;a total
risk-based capital (Tier 1 plus Tier 2) to risk-weighted assets ratio, or &#147;total risk-based capital ratio,&#148; of at least 8.0%, and (4)&nbsp;a CET1 capital ratio of 4.5%. In addition, the OCC&#146;s prompt corrective action standards
discussed below, in effect, increase the minimum regulatory capital ratios for banking organizations. These capital requirements are minimum requirements. Higher capital levels may be required if warranted by the particular circumstances or risk
profiles of individual institutions, or if required by the banking regulators due to the economic conditions impacting our market. For example, OCC regulations provide that higher capital may be required to take adequate account of, among other
things, interest rate risk and the risks posed by concentrations of credit, nontraditional activities or securities trading activities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Corrective Measures for Capital Deficiencies.</I>&nbsp;&nbsp;The federal banking regulators are required by the Federal Deposit Insurance
Act, or FDI Act, to take &#147;prompt corrective action&#148; with respect to capital-deficient institutions that are FDIC-insured. Agency regulations define, for each capital category, the levels at which institutions are &#147;well
capitalized,&#148; &#147;adequately capitalized,&#148; &#147;undercapitalized,&#148; &#147;significantly undercapitalized&#148; and &#147;critically undercapitalized.&#148; Under the revised capital rules, which became effective on January&nbsp;1,
2015, a &#147;well capitalized&#148; bank has a total risk-based capital ratio of 10.0% or higher, a Tier 1 risk-based capital ratio of 8.0% or higher, a leverage ratio of 5.0% or higher, a CETI capital ratio of 6.5% or higher, and is not subject to
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">155 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any written agreement, order or directive requiring it to maintain a specific capital level for any capital measure. An &#147;adequately capitalized&#148; bank has a total risk-based capital
ratio of 8.0% or higher, a Tier 1 risk-based capital ratio of 6.0% or higher, a leverage ratio of 4.0% or higher (3.0% or higher if the bank was rated a composite 1 in its most recent examination report and is not experiencing significant growth), a
CETI capital ratio of 4.5% or higher, and does not meet the criteria for a well-capitalized bank. A bank is &#147;undercapitalized&#148; if it fails to meet any one of the ratios required to be adequately capitalized. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition to requiring undercapitalized institutions to submit a capital restoration plan, agency regulations contain broad restrictions on
certain activities of undercapitalized institutions including asset growth, acquisitions, branch establishment and expansion into new lines of business. With certain exceptions, an insured depository institution is prohibited from making capital
distributions, including dividends, and is prohibited from paying management fees to control persons if the institution would be undercapitalized after any such distribution or payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a national bank&#146;s capital decreases, the OCC&#146;s enforcement powers become more severe. A significantly undercapitalized national
bank is subject to mandated capital raising activities, restrictions on interest rates paid and transactions with affiliates, removal of management and other restrictions. The OCC has very limited discretion in dealing with a critically
undercapitalized national bank and is virtually required to appoint a receiver or conservator. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Banks with risk-based capital and leverage
ratios below the required minimums may also be subject to certain administrative actions, including the termination of deposit insurance upon notice and hearing, or a temporary suspension of insurance without a hearing in the event the institution
has no tangible capital. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Branching.</I>&nbsp;&nbsp;National banks are required by the National Bank Act to adhere to branching laws
applicable to state banks in the states in which they are located. Under the Dodd-Frank Act, <I>de novo</I> interstate branching by national banks is permitted if, under the laws of the state where the branch is to be located, a state bank chartered
in that state would have been permitted to establish a branch. Under current Texas law, banks are permitted to establish branch offices throughout Texas with prior regulatory approval. In addition, with prior regulatory approval, banks are permitted
to acquire branches of existing banks located in Texas. Banks located in Texas may also branch across state lines by merging with banks or by purchasing a branch of another bank in other states if allowed by the applicable states&#146; laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Restrictions on Transactions with Affiliates and Insiders.</I>&nbsp;&nbsp;Transactions between the Bank and its nonbanking subsidiaries
and/or affiliates, including us, are subject to Section&nbsp;23A and 23B of the Federal Reserve Act and Regulation W. In general, Section&nbsp;23A of the Federal Reserve Act imposes limits on the amount of such transactions, and also requires
certain levels of collateral for loans to affiliated parties. It also limits the amount of advances to third parties which are collateralized by the securities or obligations of the Company or its subsidiaries. Covered transactions with any single
affiliate may not exceed 10.0%&nbsp;of the capital stock and surplus of the Bank, and covered transactions with all affiliates may not exceed, in the aggregate, 20.0%&nbsp;of the Bank&#146;s capital and surplus. For a bank, capital stock and surplus
refers to the bank&#146;s Tier 1 and Tier 2 capital, as calculated under the risk-based capital guidelines, plus the balance of the allowance for credit losses excluded from Tier 2 capital. The Bank&#146;s transactions with all of its affiliates in
the aggregate are limited to 20.0%&nbsp;of the foregoing capital. &#147;Covered transactions&#148; are defined by statute to include a loan or extension of credit to an affiliate, as well as a purchase of securities issued by an affiliate, a
purchase of assets (unless otherwise exempted by the Federal Reserve) from the affiliate, the acceptance of securities issued by the affiliate as collateral for a loan, and the issuance of a guarantee, acceptance or letter of credit on behalf of an
affiliate. In addition, in connection with covered transactions that are extensions of credit, the Bank may be required to hold collateral to provide added security to the Bank, and the types of permissible collateral may be limited. The Dodd-Frank
Act generally enhances the restrictions on transactions with affiliates, including an expansion of what types of transactions are covered transactions to include credit exposures related to derivatives, repurchase agreement and securities lending
arrangements and an increase in the amount of time for which collateral requirements regarding covered transactions must be satisfied. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">156 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Affiliate transactions are also subject to Section&nbsp;23B of the Federal Reserve Act which
generally requires that certain transactions between the Bank and its affiliates be on terms substantially the same, or at least as favorable to the Bank, as those prevailing at the time for comparable transactions with or involving other
nonaffiliated persons. The Federal Reserve has also issued Regulation W which codifies prior regulations under Sections 23A and 23B of the Federal Reserve Act and interpretive guidance with respect to affiliate transactions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The restrictions on loans to directors, executive officers, principal shareholders and their related interests (collectively referred to
herein as &#147;insiders&#148;) contained in Section&nbsp;22(h) of the Federal Reserve Act and in Regulation O promulgated by the Federal Reserve apply to all insured institutions and their subsidiaries and bank holding companies. These restrictions
include limits on loans to one borrower and conditions that must be met before such a loan can be made. There is also an aggregate limitation on all loans to insiders and their related interests. Generally, the aggregate of these loans cannot exceed
the institution&#146;s total unimpaired capital and surplus, although a bank&#146;s regulators may determine that a lesser amount is appropriate. Loans to senior executive officers of a bank are even further restricted. Insiders are subject to
enforcement actions for accepting loans in violation of applicable restrictions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Restrictions on Distribution of Bank Dividends and
Assets.</I>&nbsp;&nbsp;Dividends paid by the Bank have provided a substantial part of our operating funds and for the foreseeable future it is anticipated that dividends paid by the Bank to us will continue to be our principal source of operating
funds. Earnings and capital adequacy requirements serve to limit the amount of dividends that may be paid by the Bank. In general terms, federal law provides that the Bank&#146;s board of directors may, from time to time and as it deems expedient,
declare a dividend out of its net profits. Generally, the total of all dividends declared in a year shall not, unless approved by the OCC, exceed the net profits of that year combined with its net profits of the past two years. At December&nbsp;31,
2016, the Bank had $11.0&nbsp;million available for payment of dividends. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, under the Federal Deposit Insurance Corporation
Improvement Act of 1991, or FDICIA, the Bank may not pay any dividend if it is undercapitalized or the payment of the dividend would cause it to become undercapitalized. The OCC may further restrict the payment of dividends by requiring that the
Bank maintain a higher level of capital than otherwise required for it to be adequately capitalized for regulatory purposes. Moreover, if, in the opinion of the OCC, the Bank is engaged in an unsound practice (which could include the payment of
dividends), it may require, generally after notice and hearing, that the Bank cease such practice. The OCC has indicated that paying dividends that deplete a depository institution&#146;s capital base to an inadequate level would be an unsafe
banking practice. The OCC has also issued policy statements providing that insured depository institutions generally should pay dividends only out of current operating earnings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Further, in the event of a liquidation or other resolution of an insured depository institution, the claims of depositors and other general or
subordinated creditors are entitled to a priority of payment over the claims of holders of any obligation of the institution to its shareholders, including any depository institution holding company (such as us) or any shareholder or creditor
thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Incentive Compensation Guidance.</I>&nbsp;&nbsp;The federal banking agencies have issued comprehensive guidance on incentive
compensation policies intended to ensure that the incentive compensation policies of banking organizations do not undermine the safety and soundness of those organizations by encouraging excessive risk-taking. The incentive compensation guidance
sets expectations for banking organizations concerning their incentive compensation arrangements and related risk-management, control and governance processes. The incentive compensation guidance, which covers all employees that have the ability to
materially affect the risk profile of an organization, either individually or as part of a group, is based upon three primary principles: (1)&nbsp;balanced risk-taking incentives, (2)&nbsp;compatibility with effective controls and risk management
and (3)&nbsp;strong corporate governance. Any deficiencies in compensation practices that are identified may be incorporated into the organization&#146;s supervisory ratings, which can affect its ability to make acquisitions or take other actions.
In addition, under the incentive compensation guidance, a banking organization&#146;s federal supervisor may initiate enforcement action if the organization&#146;s incentive compensation arrangements pose a risk to the safety and soundness of the
organization. Further, a provision of the Basel III capital standards described above would limit </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">157 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
discretionary bonus payments to bank executives if the institution&#146;s regulatory capital ratios fail to exceed certain thresholds. A number of federal regulatory agencies proposed rules that
would require enhanced disclosure of incentive-based compensation arrangements initially in April 2011, and again in April and May 2016, but the rules have not been finalized and would mostly apply to banking organizations with over $50&nbsp;billion
in total assets. The scope and content of the U.S. banking regulators&#146; policies on executive compensation are continuing to develop and are likely to continue evolving in the near future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Audit Reports.</I>&nbsp;&nbsp;For insured institutions with total assets of $1.0&nbsp;billion or more, financial statements prepared in
accordance with GAAP, management&#146;s certifications signed by our and the Bank&#146;s chief executive officer and chief accounting or financial officer concerning management&#146;s responsibility for the financial statements, and an attestation
by the auditors regarding the Bank&#146;s internal controls must be submitted. For institutions with total assets of more than $3.0&nbsp;billion, independent auditors may be required to review quarterly financial statements. FDICIA requires that the
Bank have an independent audit committee, consisting of outside directors only, or that we have an audit committee that is entirely independent. The committees of such institutions must include members with experience in banking or financial
management, must have access to outside counsel and must not include representatives of large customers. The Bank&#146;s audit committee consists entirely of independent directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Deposit Insurance Assessments.</I><I></I>&nbsp;&nbsp;The FDIC insures the deposits of federally insured banks up to prescribed statutory
limits for each depositor through the Deposit Insurance Fund and safeguards the safety and soundness of the banking and thrift industries. The maximum amount of deposit insurance for banks and savings institutions is $250,000 per depositor. The
amount of FDIC assessments paid by each insured depository institution is based on its relative risk of default as measured by regulatory capital ratios and other supervisory factors and is calculated based on an institution&#146;s average
consolidated total assets minus average tangible equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We are generally unable to control the amount of premiums that we are required
to pay for FDIC insurance. At least semi-annually, the FDIC will update its loss and income projections for the Deposit Insurance Fund and, if needed, will increase or decrease assessment rates, following <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">notice-and-comment</FONT></FONT> rulemaking, if required. If there are additional bank or financial institution failures or if the FDIC otherwise determines to increase assessment rates, the Bank may be required to pay
higher FDIC insurance premiums. Any future increases in FDIC insurance premiums may have a material and adverse effect on our earnings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, all FDIC-insured institutions are required to pay assessments to the FDIC to fund interest payments on bonds issued by the
Financing Corporation, or FICO, an agency of the federal government established to recapitalize the predecessor to the Deposit Insurance Fund. These assessments, which are included in Deposit Insurance Premiums on the Consolidated Statements of
Income, will continue until the FICO bonds mature between 2017 and 2019. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Financial Modernization.</I>&nbsp;&nbsp;Under the GLB Act,
banks may establish financial subsidiaries and engage, subject to limitations on investment, in activities that are financial in nature, other than insurance underwriting as principal, insurance company portfolio investment, real estate development,
real estate investment, annuity issuance and merchant banking activities. To do so, a bank must be well capitalized, well managed and have a CRA rating from its primary federal regulator of satisfactory or better. Subsidiary banks of financial
holding companies or banks with financial subsidiaries must remain well capitalized and well managed in order to continue to engage in activities that are financial in nature without regulatory actions or restrictions. Such actions or restrictions
could include divestiture of the &#147;financial in nature&#148; subsidiary or subsidiaries. In addition, a financial holding company or a bank may not acquire a company that is engaged in activities that are financial in nature unless each of the
subsidiary banks of the financial holding company or the bank has a CRA rating of satisfactory of better. Neither we nor the Bank maintains a financial subsidiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Brokered Deposit Restrictions.</I><I></I>&nbsp;&nbsp;Insured depository institutions that are categorized as adequately capitalized
institutions under the FDI Act and corresponding federal regulations cannot accept, renew or roll over brokered deposits, without receiving a waiver from the FDIC, and are subject to restrictions on the interest rates
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">158 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
that can be paid on any deposits. Insured depository institutions that are categorized as undercapitalized capitalized institutions under the FDI Act and corresponding federal regulations may not
accept, renew, or roll over brokered deposits. The Bank is not currently subject to such restrictions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Concentrated Commercial Real
Estate Lending Regulations.</I>&nbsp;&nbsp;The federal banking regulatory agencies have promulgated guidance governing financial institutions with concentrations in commercial real estate lending. The guidance provides that a bank has a
concentration in commercial real estate lending if (1)&nbsp;total reported loans for acquisition, construction, land development, and other land represent 100.0% or more of total capital or (2)&nbsp;total reported loans secured by multifamily and
nonfarm residential properties and loans for acquisition, construction, land development, and other land represent 300.0% or more of total capital and the bank&#146;s commercial real estate loan portfolio has increased 50% or more during the prior
36&nbsp;months. Owner occupied loans are excluded from this second category. If a concentration is present, management must employ heightened risk management practices that address, among other things, Board and management oversight and strategic
planning, portfolio management, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing, and maintenance of increased capital levels as needed to support the level of commercial real estate
lending. We are currently operating with real estate loan portfolios within such percentage levels. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Community Reinvestment
Act.</I>&nbsp;&nbsp;The CRA and the regulations issued thereunder are intended to encourage banks to help meet the credit needs of their entire assessment area, including low and moderate income neighborhoods, consistent with the safe and sound
operations of such banks. These regulations also provide for regulatory assessment of a bank&#146;s record in meeting the needs of its assessment area when considering applications to establish branches, merger applications and applications to
acquire the assets and assume the liabilities of another bank. FIRREA requires federal banking agencies to make public a rating of a bank&#146;s performance under the CRA. In the case of a bank holding company, the CRA performance record of the
banks involved in the transaction are reviewed in connection with the filing of an application to acquire ownership or control of shares or assets of a bank or to merge with any other bank holding company. An unsatisfactory CRA record could
substantially delay approval or result in denial of an application. The Bank received a &#147;satisfactory&#148; rating in its most recent CRA examination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Consumer Laws and Regulations.</I>&nbsp;&nbsp;The Bank is subject to numerous laws and regulations intended to protect consumers in
transactions with the Bank. These laws include, among others, laws regarding unfair, deceptive and abusive acts and practices, usury laws, and other federal consumer protection statutes. These federal laws include the Electronic Fund Transfer Act,
the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Real Estate Procedures Act of 1974, the S.A.F.E. Mortgage Licensing Act of 2008, the Truth in Lending Act and the Truth in Savings Act,
among others. Many states and local jurisdictions have consumer protection laws analogous, and in addition, to those enacted under federal law. These laws and regulations mandate certain disclosure requirements and regulate the manner in which
financial institutions must deal with customers when taking deposits, making loans and conducting other types of transactions. Failure to comply with these laws and regulations could give rise to regulatory sanctions, customer rescission and
registration rights, action by state and local attorneys general and civil or criminal liability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition, the Dodd-Frank Act created
the CFPB. The CFPB has broad authority to regulate the offering and provision of consumer financial products. The CFPB officially came into being on July&nbsp;21, 2011, and rulemaking authority for a range of consumer financial protection laws (such
as the Truth in Lending Act, the Electronic Funds Transfer Act and the Real Estate Settlement Procedures Act, among others) transferred from the Federal Reserve and other federal regulators to the CFPB on that date. The Dodd-Frank Act gives the CFPB
authority to supervise and examine depository institutions with more than $10.0&nbsp;billion in assets for compliance with these federal consumer laws. The authority to supervise and examine depository institutions with $10.0&nbsp;billion or less in
assets for compliance with federal consumer laws remains largely with those institutions&#146; primary regulators. However, the CFPB may participate in examinations of these smaller institutions on a &#147;sampling basis&#148; and may refer
potential enforcement actions against such institutions to their primary </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">159 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
regulators. Accordingly, the CFPB may participate in examinations of the Bank, which currently has assets of less than $10.0&nbsp;billion, and could supervise and examine our other direct or
indirect subsidiaries that offer consumer financial products or services. The CFPB also has supervisory and examination authority over certain nonbank institutions that offer consumer financial products. The Dodd-Frank Act identifies a number of
covered nonbank institutions, and also authorizes the CFPB to identify additional institutions that will be subject to its jurisdiction. In addition, the Dodd-Frank Act permits states to adopt consumer protection laws and regulations that are
stricter than those regulations promulgated by the CFPB, and state attorneys general are permitted to enforce consumer protection rules adopted by the CFPB against certain institutions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Mortgage Lending Rules.</I>&nbsp;&nbsp;The Dodd-Frank Act authorized the CFPB to establish certain minimum standards for the origination of
residential mortgages, including a determination of the borrower&#146;s ability to repay. Under the Dodd-Frank Act, financial institutions may not make a residential mortgage loan unless they make a &#147;reasonable and good faith
determination&#148; that the consumer has a &#147;reasonable ability&#148; to repay the loan. The Dodd-Frank Act allows borrowers to raise certain defenses to foreclosure but provides a full or partial safe harbor from such defenses for loans that
are &#147;qualified mortgages.&#148; On January&nbsp;10, 2013, the CFPB published final rules to, among other things, specify the types of income and assets that may be considered in the <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">ability-to-repay</FONT></FONT> determination, the permissible sources for income verification, and the required methods of calculating the loan&#146;s monthly payments. Since then the CFPB made certain modifications to
these rules. The rules extend the requirement that creditors verify and document a borrower&#146;s income and assets to include all information that creditors rely on in determining repayment ability. The rules also provide further examples of
third-party documents that may be relied on for such verification, such as government records and check-cashing or funds-transfer service receipts. The new rules became effective on January&nbsp;10, 2014. The rules also define &#147;qualified
mortgages,&#148; imposing both underwriting standards &#150; for example, a borrower&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">debt-to-income</FONT></FONT> ratio may not exceed 43.0% &#150; and limits on the terms of
their loans. Points and fees are subject to a relatively stringent cap, and the terms include a wide array of payments that may be made in the course of closing a loan. Certain loans, including interest-only loans and negative amortization loans,
cannot be qualified mortgages. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Anti-Money Laundering and OFAC.</I>&nbsp;&nbsp;Under federal law, including the Bank Secrecy Act, or
BSA, and the USA PATRIOT Act of 2001, certain financial institutions, such as the Bank, must maintain anti-money laundering programs that include established internal policies, procedures and controls; a designated BSA officer; an ongoing employee
training program; and testing of the program by an independent audit function. Financial institutions are also prohibited from entering into specified financial transactions and account relationships and must meet enhanced standards for due
diligence and customer identification especially in their dealings with foreign financial institutions and foreign customers. Financial institutions must take reasonable steps to conduct enhanced scrutiny of account relationships to guard against
money laundering and to report any suspicious transactions, and law enforcement authorities have been granted increased access to financial information maintained by financial institutions. The Financial Crimes Enforcement Network (FinCEN) issued
final rules under the BSA in July 2016 that clarify and strengthen the due diligence requirements for banks with regard to their customers, which must be complied with no later than May 2018. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Office of Foreign Assets Control, or OFAC, administers laws and Executive Orders that prohibit U.S. entities from engaging in transactions
with certain prohibited parties. OFAC publishes lists of persons and organizations suspected of aiding, harboring or engaging in terrorist acts, known as Specially Designated Nationals and Blocked Persons. Generally, if a bank identifies a
transaction, account or wire transfer relating to a person or entity on an OFAC list, it must freeze the account or block the transaction, file&nbsp;a suspicious activity report and notify the appropriate authorities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Bank regulators routinely examine institutions for compliance with these obligations and they must consider an institution&#146;s compliance
in connection with the regulatory review of applications, including applications for bank mergers and acquisitions. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing and
comply with OFAC sanctions, or to comply with relevant laws and regulations, could have serious legal, reputational and financial consequences for the institution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">160 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Privacy.</I>&nbsp;&nbsp;The federal banking regulators have adopted rules that limit the
ability of banks and other financial institutions to disclose <FONT STYLE="white-space:nowrap">non-public</FONT> information about consumers to <FONT STYLE="white-space:nowrap">non-affiliated</FONT> third parties. These limitations require
disclosure of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to a <FONT STYLE="white-space:nowrap">non-affiliated</FONT> third party. These regulations affect how
consumer information is transmitted through financial services companies and conveyed to outside vendors. In addition, consumers may also prevent disclosure of certain information among affiliated companies that is assembled or used to determine
eligibility for a product or service, such as that shown on consumer credit reports and asset and income information from applications. Consumers also have the option to direct banks and other financial institutions not to share information about
transactions and experiences with affiliated companies for the purpose of marketing products or services. In addition to applicable federal privacy regulations, the Bank is subject to certain state privacy laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Federal Home Loan Bank System.</I>&nbsp;&nbsp;The FHLB system, of which the Bank is a member, consists of 12 regional FHLBs governed and
regulated by the Federal Housing Finance Board, or FHFB. The FHLBs serve as reserve or credit facilities for member institutions within their assigned regions. The reserves are funded primarily from proceeds derived from the sale of consolidated
obligations of the FHLB system. The FHLBs make loans (i.e., advances) to members in accordance with policies and procedures established by the FHLB and the Boards of directors of each regional FHLB. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As a system member, according to currently existing policies and procedures, the Bank is entitled to borrow from the Dallas FHLB provided it
posts acceptable collateral. The Bank is also required to own a certain amount of capital stock in the FHLB. The Bank is in compliance with the stock ownership rules with respect to such advances, commitments and letters of credit and collateral
requirements with respect to home mortgage loans and similar obligations. All loans, advances and other extensions of credit made by the FHLB to the Bank are secured by a portion of the respective mortgage loan portfolio, certain other investments
and the capital stock of the FHLB held by the Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><I>Enforcement Powers.</I>&nbsp;&nbsp;The federal banking agencies, including our
primary federal regulator, the OCC, have broad enforcement powers, including the power to terminate deposit insurance, impose substantial fines and other civil and criminal penalties, and appoint a conservator or receiver. Failure to comply with
applicable laws, regulations and supervisory agreements, breaches of fiduciary duty or the maintenance of unsafe and unsound conditions or practices could subject the Company or the Bank and their subsidiaries, as well as their respective officers,
directors, and other institution-affiliated parties, to administrative sanctions and potentially substantial civil money penalties. For example, the regulatory authorities may appoint the FDIC as conservator or receiver for a banking institution (or
the FDIC may appoint itself, under certain circumstances) if any one or more of a number of circumstances exist, including, without limitation, the fact that the banking institution is undercapitalized and has no reasonable prospect of becoming
adequately capitalized, fails to become adequately capitalized when required to do so, fails to submit a timely and acceptable capital restoration plan or materially fails to implement an accepted capital restoration plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Effect of Governmental Monetary Policies </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The commercial banking business is affected not only by general economic conditions but also by U.S. fiscal policy and the monetary policies
of the Federal Reserve. Some of the instruments of monetary policy available to the Federal Reserve include changes in the discount rate on member bank borrowings, the fluctuating availability of borrowings at the &#147;discount window,&#148; open
market operations, the imposition of and changes in reserve requirements against member banks&#146; deposits and certain borrowings by banks and their affiliates and assets of foreign branches. These policies influence to a significant extent the
overall growth of bank loans, investments, and deposits and the interest rates charged on loans or paid on deposits. We cannot predict the nature of future fiscal and monetary policies or the effect of these policies on our operations and
activities, financial condition, results of operations, growth plans or future prospects. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">161 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Impact of Current Laws and Regulations </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The cumulative effect of these laws and regulations, while providing certain benefits, adds significantly to the cost of our operations and
thus have a negative impact on our profitability. There has also been a notable expansion in recent years of financial service providers that are not subject to the examination, oversight, and other rules and regulations to which we are subject.
Those providers, because they are not so highly regulated, may have a competitive advantage over us and may continue to draw large amounts of funds away from traditional banking institutions, with a continuing adverse effect on the banking industry
in general. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Future Legislation and Regulatory Reform </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In light of current conditions and the market outlook for continuing weak economic conditions, regulators have increased their focus on the
regulation of financial institutions. From time to time, various legislative and regulatory initiatives are introduced in Congress and state legislatures. New regulations and statutes are regularly proposed that contain wide-ranging proposals for
altering the structures, regulations and competitive relationships of financial institutions operating in the United States. We cannot predict whether or in what form any proposed regulation or statute will be adopted or the extent to which our
business may be affected by any new regulation or statute. Future legislation, regulation and policies, and the effects of that legislation and regulation and those policies, may have a significant influence on our operations and activities,
financial condition, results of operations, growth plans or future prospects and the overall growth and distribution of loans, investments and deposits. Such legislation, regulation and policies have had a significant effect on the operations and
activities, financial condition, results of operations, growth plans and future prospects of commercial banks in the past and are expected to continue to do so. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">162 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_19"></A>CERTAIN MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FOR <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> HOLDERS OF COMMON STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following is a general discussion of the material U.S. federal income tax consequences of the ownership and disposition of our common
stock by a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder (as defined below) that purchases our common stock pursuant to this offering and holds such common stock as a capital asset (generally, property held for investment). This discussion
is based on currently existing provisions of the Internal Revenue Code of 1986, as amended, applicable U.S. Treasury regulations promulgated thereunder, judicial decisions, and rulings and pronouncements of the U.S. Internal Revenue Service, or the
IRS, all as in effect on the date hereof and all of which are subject to change, possibly with retroactive effect, or subject to different interpretation. We have not sought any ruling from the United States Internal Revenue Service with respect to
the statements made and conclusions reached in the following discussion, and there can be no assurance that the Internal Revenue Service will agree with such statements and conclusions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This discussion does not address all the tax consequences that may be relevant to specific holders in light of their particular circumstances
or to holders subject to special treatment under U.S. federal income tax laws (such as financial institutions, insurance companies, <FONT STYLE="white-space:nowrap">tax-exempt</FONT> organizations, controlled foreign corporations, passive foreign
investment companies, pension plans, retirement plans, partnerships, or other entities classified as partnerships, dealers in securities, brokers, U.S. expatriates or former long-term residents of the U.S., hybrid entities, persons subject to the
alternative minimum tax, persons who have acquired our common stock as compensation or otherwise in connection with the performance of services, persons who have elected to mark securities to market, or persons who have acquired our common stock as
part of a straddle, hedge, conversion transaction or other integrated investment). In addition, this discussion does not address any other U.S. federal tax consequences (such as the Medicare contribution tax or U.S. federal estate or gift tax) or
any aspects of state, local, or foreign tax laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If a partnership or other entity or arrangement treated as a partnership for U.S.
federal income tax purposes holds our common stock, the tax treatment of a partner will generally depend upon the status of the partner and the activities of the partnership. A partnership that holds our common stock and any partner who owns an
interest in such a partnership should consult their tax advisors regarding the U.S. federal income tax consequences of an investment in our common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">YOU ARE URGED TO CONSULT YOUR TAX ADVISOR WITH RESPECT TO THE APPLICATION OF THE U.S. FEDERAL INCOME TAX LAWS TO YOUR PARTICULAR SITUATION, AS
WELL AS ANY TAX CONSEQUENCES OF THE PURCHASE, OWNERSHIP AND DISPOSITION OF OUR COMMON STOCK ARISING UNDER THE U.S. FEDERAL ESTATE OR GIFT TAX RULES OR UNDER THE LAWS OF ANY STATE, LOCAL, <FONT STYLE="white-space:nowrap">NON-U.S.</FONT> OR OTHER
TAXING JURISDICTION OR UNDER ANY APPLICABLE TAX TREATY. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">As used in this discussion, the term
<FONT STYLE="white-space:nowrap">&#147;non-U.S.</FONT> holder&#148; refers to a beneficial owner of our common stock that for U.S. federal income tax purposes is neither a partnership (including any entity or arrangement treated as a partnership for
such purposes) nor: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">an individual who is a citizen or resident of the United States; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a corporation (or other entity taxable as a corporation) created or organized in or under the laws of the United States or any state thereof, including the District of Columbia; </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">an estate the income of which is subject to U.S. federal income tax regardless of its source; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a trust (1)&nbsp;if a court within the United States is able to exercise primary supervision over its administration and one or more U.S. persons have the authority to control all of its substantial decisions, or
(2)&nbsp;that has in effect a valid election under applicable Treasury Regulations to be treated as a U.S. person. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">163 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dividends and Distributions </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In the event that we make a distribution of cash or other property (other than certain distributions of our stock) in respect of our common
stock, the distribution generally will be treated as a dividend to the extent of our current or accumulated earnings and profits as determined under U.S. federal income tax principles. To the extent those distributions exceed both our current and
our accumulated earnings and profits, they will first constitute a nontaxable return of capital, on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">share-by-share</FONT></FONT> basis, and will first reduce your basis in our
common stock, but not below zero, and then will be treated as gain from the disposition of the common stock, the tax treatment of which is discussed below under &#147;Sale, Exchange or Other Taxable Disposition.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Subject to the discussions below under the headings, &#147;Information Reporting and Backup Withholding&#148; and &#147;Foreign Account Tax
Compliance Act,&#148; distributions that constitute dividends paid to a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder of our common stock generally will be subject to U.S. withholding tax either at a rate of 30.0% of the gross amount of
the dividend or such lower rate as may be specified by an applicable income tax treaty between the U.S. and the <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder&#146;s country or residence. In order to receive a reduced treaty withholding
rate, you must provide us with an IRS Form <FONT STYLE="white-space:nowrap">W-8BEN</FONT> or IRS Form <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">W-8BEN-E</FONT></FONT> (or applicable successor form) and satisfy applicable
certification and other requirements, including providing us with a U.S. taxpayer identification number, and certifying qualification for the reduced rate. A <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder of shares of our common stock
eligible for a reduced rate of U.S. withholding tax pursuant to an income tax treaty may obtain a refund of any excess amounts withheld by filing an appropriate claim for refund with the IRS. If the <FONT STYLE="white-space:nowrap">non-U.S.</FONT>
holder holds the stock through a financial institution or other agent acting on the <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder&#146;s behalf, the <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder will be required to provide
appropriate documentation to the agent, which then will be required to provide certification to us or our paying agent, either directly or through other intermediaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Dividends received by you that are effectively connected with your conduct of a U.S. trade or business (and, if an income tax treaty applies,
that are attributable to a permanent establishment or a fixed base maintained by you in the United States), are exempt from such withholding tax. In order to obtain this exemption, you must provide us with an IRS
<FONT STYLE="white-space:nowrap">Form&nbsp;W-8ECI</FONT> (or successor form) or other applicable IRS <FONT STYLE="white-space:nowrap">Form&nbsp;W-8</FONT> (or successor form) properly certifying such exemption. Such effectively connected dividends,
although not subject to withholding tax, generally are taxed at the same graduated rates applicable to U.S. persons, net of certain deductions and credits. In addition, if you are a corporate <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder,
dividends you receive that are effectively connected with your conduct of a U.S. trade or business may also be subject to a branch profits tax at a rate of 30.0% or such lower rate as may be specified by an applicable income tax treaty. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">A <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder eligible for a reduced rate of U.S. withholding tax pursuant to an income tax treaty
may obtain a refund of any excess amounts withheld by timely filing an appropriate claim for refund with the IRS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Sale, Exchange or Other Taxable
Disposition </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Subject to the discussion below regarding backup withholding and foreign accounts, you generally will not be required to
pay U.S. federal income tax on any gain realized upon the sale or other disposition of our common stock unless: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the gain is effectively connected with your conduct of a U.S. trade or business (and, if an income tax treaty applies, the gain is attributable to a permanent establishment or a fixed base maintained by you in the
United States); </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">you are an individual who is present in the United States for a period or periods aggregating 183&nbsp;days or more during the calendar year in which the sale or disposition occurs and certain other conditions are met;
or </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">164 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">our common stock constitutes a U.S. real property interest by reason of our status as a &#147;United States real property holding corporation,&#148; or USRPHC, for U.S. federal income tax purposes at any time within the
shorter of the five-year period preceding your disposition of, or your holding period for, our common stock. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We believe
that we are not currently and will not become a USRPHC. However, because the determination of whether we are a USRPHC depends on the fair market value of our U.S. real property relative to the fair market value of our other business assets, there
can be no assurance that we will not become a USRPHC in the future. Even if we become a USRPHC, however, as long as our common stock is regularly traded on an established securities market, such common stock will be treated as U.S. real property
interests only if you actually or constructively hold more than 5.0% of such regularly traded common stock at any time during the shorter of the five-year period preceding your disposition of, or your holding period for, our common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If you are a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder described in the first bullet above, you will be required to pay tax on
the net gain derived from the sale under regular graduated U.S. federal income tax rates, and a corporate <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder described in the first bullet above also may be subject to the branch profits tax at a
30.0% rate, or such lower rate as may be specified by an applicable income tax treaty. If you are an individual <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder described in the second bullet above, you will be required to pay a flat 30.0%
tax on the gain derived from the sale, which tax may be offset by U.S.-source capital losses for the year. You should consult any applicable income tax or other treaties that may provide for different rules. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Information Reporting and Backup Withholding </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Information returns will be filed with the IRS in connection with payments of dividends and the proceeds from a sale or other disposition of
our common stock. A <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder may have to comply with certification procedures to establish that it is not a U.S. person in order to avoid backup withholding tax. The certification procedures required to
claim a reduced rate of withholding under an applicable income tax treaty generally should satisfy the certification requirements necessary to avoid backup withholding tax as well. Notwithstanding the foregoing, information reporting and backup
withholding may apply if either we or our paying agent has actual knowledge, or reason to know, that the holder is a U.S. person. Even if a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder establishes an exemption from information reporting,
we or our paying agent may still be required to report annually to the IRS the amount of dividends paid, the name and address of the recipient, and the amount, if any, of tax withheld. A similar report is sent to the
<FONT STYLE="white-space:nowrap">non-U.S.</FONT> holder. Pursuant to tax treaties or other agreements, the IRS may make its reports available to tax authorities in the recipient&#146;s country of residence. Backup withholding is not an additional
tax. Any amounts withheld under the backup withholding rules from a payment to you will be allowed as a refund or a credit against your U.S. federal income tax liability, if any, provided that the required information is timely furnished to the IRS.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Foreign Account Tax Compliance Act </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Foreign Account Tax Compliance Act, or FATCA, imposes a 30% withholding tax on certain types of payments made to &#147;foreign financial
institutions&#148; and other specified <FONT STYLE="white-space:nowrap">non-U.S.</FONT> entities unless certain due diligence, reporting, withholding and certification requirements are satisfied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The U.S. Treasury Department and the Internal Revenue Service have issued final regulations under FATCA. As a general matter, FATCA imposes a
30% withholding tax on dividends on, and the gross proceeds from the sale or other disposition of, our common stock if paid to a foreign entity unless: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the foreign entity is a &#147;foreign financial institution&#148; that undertakes specified due diligence, reporting, withholding and certification obligations or, in the case of a foreign financial institution that is
a resident in a jurisdiction that has entered into an intergovernmental agreement to implement FATCA, the entity complies with the diligence and reporting requirements of such an agreement; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">165 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the foreign entity is not a &#147;foreign financial institution&#148; and identifies certain of its U.S. investors; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the foreign entity otherwise is exempted under FATCA. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">An intergovernmental agreement between
the United States and an applicable <FONT STYLE="white-space:nowrap">non-U.S.</FONT> government may modify these rules. Withholding is required with respect to dividends on our common stock and for dispositions that occur on or after January&nbsp;1,
2019, with respect to gross proceeds from a sale or other disposition of our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">If withholding is imposed under FATCA on a
payment related to our common stock, a beneficial owner that is not a foreign financial institution and that otherwise would not be subject to withholding (or that otherwise would be entitled to a reduced rate of withholding) generally may obtain a
refund from the Internal Revenue Service by filing a U.S. federal income tax return (which may entail significant administrative burden). Prospective investors should consult their tax advisors regarding the effect of FATCA in their particular
circumstances. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">166 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_20"></A>UNDERWRITING </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">We are offering the shares of our common stock described in this prospectus in an underwritten offering in which we and Sandler O&#146;Neill +
Partners, L.P., as representative of the underwriters named below, will enter into an underwriting agreement with respect to the shares of our common stock being offered. Subject to the terms and conditions contained in the underwriting agreement,
the underwriters named below have agreed, severally and not jointly, to purchase the respective number of shares of our common stock set forth opposite their respective names below: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="66%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Numbers&nbsp;of<BR>Shares</B></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sandler O&#146;Neill + Partners, L.P.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">[&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stephens Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">[&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">2,000,000</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The underwriting agreement provides that the underwriters&#146; obligation to purchase shares of our
common stock depends on the satisfaction of the conditions contained in the underwriting agreement, including, among others: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the representations and warranties made by us are true and agreements have been performed; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">there is no material adverse change in their determination in the financial markets or in our business; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">we deliver customary closing documents. </TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Subject to these conditions, the underwriters are
committed to purchase and pay for all of the shares of our common stock offered by this prospectus, if any such shares are purchased. However, the underwriters are not obligated to take or pay for the shares of our common stock covered by the
underwriters&#146; option to purchase additional shares described below, unless and until that option is exercised. The underwriting agreement also provides that if an underwriter defaults, the purchase commitments of
<FONT STYLE="white-space:nowrap">non-defaulting</FONT> underwriters may be increased or this offering may be terminated. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Discounts, Commissions
and Expenses </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Shares of our common stock sold by the underwriters to the public will be offered at the initial public offering price
set forth on the cover of this prospectus.&nbsp;Any shares of our common stock sold by the underwriters to securities dealers may be sold at a discount of up to $[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] per share from the initial public
offering price. Any of these securities dealers may resell any shares of our common stock purchased from the underwriters to other brokers or dealers at a discount of up to $[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] per share from the
initial public offering price. If all of the shares of our common stock are not sold at the initial public offering price, the representative may change the offering price and the other selling terms. Sales of shares of our common stock made outside
of the United States may be made by affiliates of the underwriters. The underwriters reserve the right to reject an order for the purchase of shares, in whole or in part. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The following table shows the initial public offering price, underwriting discount and proceeds before expenses to us. The information assumes
either no exercise or full exercise by the underwriters of their option to purchase an additional 300,000 shares: </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Per&nbsp;Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>No&nbsp;Exercise</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><B>Full&nbsp;Exercise</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Initial public offering price</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Underwriting discounts and commissions to be paid by us</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds to us, before expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">167 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In addition to the underwriting discount, we will reimburse the underwriters for their
reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses incurred in connection with their engagement as underwriters, including marketing, syndication and travel expenses, and will pay the
fees and expenses of the underwriters in connection with the directed share program and the reasonable fees and disbursements of counsel for the underwriters in connection with this offering and the directed share program, in each case regardless of
whether this offering is consummated. These reimbursements and payments will not exceed $175,000. In addition to these amounts and the underwriting discount, we estimate the expenses of this offering to be approximately $1.3 million and are payable
by us. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Option to Purchase Additional Shares </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We have granted the underwriters an option to purchase up to 300,000 additional shares of our common stock on the same terms set forth above.
The underwriters may exercise this option, in whole or from time to time in part, solely for the purpose of covering over-allotments, if any, made in connection with this offering. The underwriters have 30 days from the date of this prospectus to
exercise this option. If the underwriters exercise this option, each underwriter will be obligated, subject to the conditions in the underwriting agreement, to purchase a number of additional shares of our common stock proportionate to such
underwriter&#146;s initial amount relative to the total amount reflected next to their name in the table above. We will be obligated to sell these shares of common stock to the underwriters to the extent the purchase option is exercised. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Indemnification and Contribution </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We
have agreed to indemnify the underwriters, and persons who control the underwriters, against certain liabilities, including liabilities under the Securities Act, and to contribute to payments that the underwriters may be required to make in respect
of these liabilities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreements </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We, our directors and executive officers, directors and executive officers of the Bank, directed share participants and certain other current
shareholders have entered into <FONT STYLE="white-space:nowrap">lock-up</FONT> agreements with the underwriters. Under these agreements, we and each of these persons may not, without the prior written approval of the representative, subject to
limited exceptions, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant for the sale of, or otherwise dispose of or transfer any of our
common stock or any securities convertible into or exchangeable or exercisable for our common stock, whether now owned or hereafter acquired or with respect to which such person has or hereafter acquires the power of disposition, or file any
registration statement under the Securities Act, with respect to any of the foregoing; or </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">enter into any swap or any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of ownership of our common stock whether any such swap or transaction
is to be settled by delivery of our common stock or other securities, in cash or otherwise. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">These restrictions will be in
effect for a period of 180 days after the date of the underwriting agreement. At any time and without public notice, the representative may, in its sole discretion, waive or release all or some of the securities from these <FONT
STYLE="white-space:nowrap">lock-up</FONT> agreements. In addition, the restrictions described above will not apply to certain transfers of the <FONT STYLE="white-space:nowrap">locked-up</FONT> shares, so long as the transferee agrees, among other
things, to be bound by the terms of the <FONT STYLE="white-space:nowrap">lock-up</FONT> agreement. Such transfers permitted under the <FONT STYLE="white-space:nowrap">lock-up</FONT> agreement include, but are not limited to transfers of shares of
our common stock: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">as a <I>bona fide</I> gift or gifts or by will or intestate succession; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">168 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to any trust or family limited partnership for the benefit of the transferor or his or her immediate family; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to any wholly owned subsidiary or any shareholders, partners or members of the transferor; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to charitable organizations, family foundations or donor advised funds that do not involve a disposition for value; </TD></TR></TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to affiliates of the transferor; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to any investment manager or advisor that has investment discretionary authority with respect to the transferor&#146;s investments; and </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to any entity with which the transferor shares in common an investment manager or advisor that has investment discretionary authority with respect to the transferor&#146;s and the entity&#146;s investments.
</TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The <FONT STYLE="white-space:nowrap">lock-up</FONT> restrictions also do not apply to transfers of shares of our common
stock: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">to the Company to satisfy any tax withholding obligations upon the exercise or vesting of equity awards; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">pledged in a bona fide transaction outstanding as of the date of the <FONT STYLE="white-space:nowrap">lock-up</FONT> agreement; or </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">acquired in open market transactions following the completion of this offering so long as no report, filing or public disclosure regarding the transfer or the resulting reduction in beneficial ownership of our common
stock is required to be or is voluntarily made by any party to such transaction pursuant to the Exchange Act. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">These
restrictions will apply to common stock owned now or acquired later by the person executing the agreement or for which the person executing the agreement later acquires the power of disposition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Pricing of the Offering </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Since 2005,
there has been no established public market for our common stock.&nbsp;The initial public offering price will be determined by negotiations among us and the representative of the underwriters.&nbsp;In addition to prevailing market conditions, among
the factors to be considered in determining the initial public offering price of our common stock will be our historical performance, estimates of our business potential and our earnings prospects, an assessment of our management and the
consideration of the above factors in relation to market valuation of companies in related businesses. The estimated initial public offering price range set forth on the cover page of this preliminary prospectus is subject to change as a result of
market conditions and other factors. An active trading market for the shares of our common stock may not develop. It is also possible that the shares will not trade in the public market at or above the initial public offering price following the
completion of this offering. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Directed Share Program </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">At our request, the underwriters have reserved up to 140,000 shares of our common stock offered by this prospectus for sale, at the initial
public offering price, to our directors, executive officers, employees and certain other persons who have expressed an interest in purchasing our common stock in this offering. Our directed share program will be administered by Stephens Inc., who
also serves as an underwriter in connection with this offering. The number of shares available for sale to the general public in the offering will be reduced to the extent these persons purchase the reserved shares. Any reserved shares not so
purchased will be offered by the underwriters to the general public on the same terms as the other shares. Any shares sold in the directed share program will be subject to the <FONT STYLE="white-space:nowrap">180-day</FONT> <FONT
STYLE="white-space:nowrap">lock-up</FONT> agreements described above. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">169 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Stabilization </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">To facilitate the offering of our common stock, the underwriters may engage in transactions that stabilize, maintain or otherwise affect the
price of the common stock, including: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">stabilizing transactions; </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">short sales; and </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">purchases to cover positions created by short sales. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Stabilizing transactions consist of bids
or purchases made for the purpose of preventing or retarding a decline in the market price of our common stock while this offering is in progress. These transactions may also include making short sales of our common stock, which involve the sale by
the underwriters of a greater number of shares of common stock than it is required to purchase in this offering. Short sales may be &#147;covered short sales,&#148; which are short positions in an amount not greater than the underwriters&#146;
purchase option referred to above, or may be &#147;naked short sales,&#148; which are short positions in excess of that amount. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The
underwriters may close out any covered short position either by exercising its purchase option, in whole or in part, or by purchasing shares in the open market. In making this determination, the underwriters will consider, among other things, the
price of shares available for purchase in the open market compared to the price at which it may purchase shares through the purchase option. The underwriters must close out any naked short position by purchasing shares in the open market. A naked
short position is more likely to be created if the underwriters are concerned that there may be downward pressure on the price of the common stock in the open market that could adversely affect investors who purchased shares in this offering. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">These stabilizing transactions, syndicate covering transactions and penalty bids may have the effect of raising or maintaining the market
price of our common stock or preventing or mitigating a decline in the market price of our common stock. As a result, the price of our common stock in the open market may be higher than it would otherwise be in the absence of these transactions.
Neither we nor the underwriters make any representation or prediction as to the effect that the transactions described above may have on the price of our common stock. These transactions may be effected on the NASDAQ Global Select Market, in the <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market or otherwise and, if commenced, may be discontinued at any time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Passive Market Making </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In connection
with this offering, the underwriters may engage in passive market making transactions in our common stock on the NASDAQ Global Select Market in accordance with Rule 103 of Regulation M under the Exchange Act during a period before the commencement
of offers or sales of our common stock and extending through the completion of the distribution of this offering. A passive market maker must display its bid at a price not in excess of the highest independent bid of that security. However, if all
independent bids are lowered below the passive market maker&#146;s bid, that bid must then be lowered when specified purchase limits are exceeded. Passive market making may cause the price of our common stock to be higher than the price that
otherwise would exist in the open market in the absence of those transactions. The underwriters and dealers are not required to engage in a passive market making and may end passive market making activities at any time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">170 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Electronic Distribution </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This prospectus may be made available in electronic format on websites or through other online services maintained by one or more of the
underwriters, or by their affiliates. Other than this prospectus in electronic format, information on such websites and any information contained in any other website maintained by the underwriters or any of their affiliates is not part of this
prospectus or registration statement of which the prospectus forms a part, has not been approved or endorsed by us or the underwriters in their capacities as underwriters and should not be relied on by investors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our Relationship with the Underwriters </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The underwriters and their respective affiliates are full service financial institutions engaged in various activities, which may include
securities trading, commercial and investment banking, financial advisory, investment management, investment advisory, investment research, principal investment, hedging, financing, loan referrals, valuation and brokerage activities. From time to
time, the underwriters and/or their respective affiliates have directly and indirectly engaged, and may in the future engage, in various financial advisory, investment banking loan referrals and commercial banking services with us and our
affiliates, for which they received or paid, or may receive or pay, customary compensation, fees and expense reimbursement. In the ordinary course of their various business activities, the underwriters and their respective affiliates may make or
hold a broad array of investments and actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their own account and for the accounts of their customers, and those investment
and securities activities may involve securities and/or instruments of ours. The underwriters and their respective affiliates may also make investment recommendations and/or publish or express independent research views in respect of those
securities or instruments and may at any time hold, or recommend to clients that they acquire, long and/or short positions in those securities and instruments. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">171 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_21"></A>LEGAL MATTERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The validity of the shares of our common stock offered by this prospectus will be passed upon for us by Fenimore, Kay, Harrison&nbsp;&amp;
Ford, LLP, Austin, Texas. Certain matters will be passed upon for the underwriters by Hunton&nbsp;
&amp; Williams LLP, Dallas, Texas. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_22"></A>EXPERTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements of Guaranty Bancshares, Inc. and its subsidiaries as of and for the years ended December&nbsp;31, 2016
and 2015, have been included herein in reliance upon the report of Whitley Penn LLP, an independent registered public accounting firm, appearing elsewhere herein, and upon the authority of said firm as an expert in accounting and auditing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc814489_23"></A>WHERE YOU CAN FIND MORE INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This prospectus, which constitutes a part of a registration statement on Form <FONT STYLE="white-space:nowrap">S-1</FONT> filed with the SEC,
does not contain all of the information set forth in the registration statement and the related exhibits and schedules. Some items are omitted in accordance with the rules and regulations of the SEC. Accordingly, we refer you to the complete
registration statement, including its exhibits and schedules, for further information about us and the shares of common stock to be sold in this offering. Statements or summaries in this prospectus as to the contents of any contract or other
document referred to in this prospectus are not necessarily complete and, where that contract or document is filed as an exhibit to the registration statement, each statement or summary is qualified in all respects by reference to the exhibit to
which the reference relates. You may read and copy the registration statement, including the exhibits and schedules to the registration statement, at the SEC&#146;s Public Reference Room at 100&nbsp;F Street, N.E., Washington, D.C. 20549.
Information about the operation of the Public Reference Room may be obtained by calling the SEC at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-SEC-0330.</FONT></FONT></FONT> Our filings
with the SEC, including the registration statement, are also available to you for free on the SEC&#146;s internet website at www.sec.gov. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Upon closing of this offering, we will become subject to the informational and reporting requirements of the Exchange Act and, in accordance
with those requirements, will file reports and proxy and information statements with the SEC. You will be able to inspect and copy these reports and proxy and information statements and other information at the addresses set forth above. We intend
to furnish to our shareholders our annual reports containing our audited consolidated financial statements certified by an independent registered public accounting firm. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">We also maintain an internet website at www.gnty.com. Information on, or accessible through, our website is not part of this prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">172 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index"></A>INDEX TO FINANCIAL STATEMENTS<A NAME="toc814489_24"></A> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:6%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Audited Consolidated Financial Statements of Guaranty Bancshares, Inc. and its Subsidiaries as of and for the Years Ended
December&nbsp;31, 2016 and 2015. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="94%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="96%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_1">Report of Independent Registered Public Accounting Firm</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-2</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_2">Consolidated Balance Sheets</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-3</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_3">Consolidated Statements of Earnings</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-4</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_4">Consolidated Statements of Comprehensive Income</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-5</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_5">Consolidated Statements of Shareholders&#146; Equity</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-6</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_6">Consolidated Statements of Cash Flows</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-7</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin814489_7">Notes to Consolidated Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">F-9</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g34w63.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_1"></A>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </P>
<P STYLE="margin-top:36pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the Board of Directors </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares, Inc. </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have audited the accompanying consolidated balance sheet of Guaranty Bancshares, Inc. (the &#147;Company&#148;), as of December 31, 2016
and 2015, and the related consolidated statements of earnings, comprehensive income, changes in shareholders&#146; equity, and cash flows for each of the years in the two-year period ended December 31, 2016. The Company&#146;s management is
responsible for these financial statements. Our responsibility is to express an opinion on these financial statements based on our audits. </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its
internal control over financial reporting. Our audit included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an
opinion on the effectiveness of the Company&#146;s internal control over financial reporting. Accordingly, we express no such opinion. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated
financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable
basis for our opinion. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects,
the financial position of the Company, as of December 31, 2016 and 2015, and the results of their operations and their cash flows for each of the years in the two-year period ended December 31, 2016, in conformity with accounting principles
generally accepted in the United States of America. </P> <P STYLE="margin-top:30pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">/s/&nbsp;Whitley Penn LLP </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Dallas, Texas </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">March 1, 2017
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="justify">


<IMG SRC="g814489g84e25.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_2"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED BALANCE SHEETS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except share amounts) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8.5pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">(Unaudited)<BR>Pro Forma<BR>2016</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top" COLSPAN="8"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman"><B>ASSETS</B></P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman"><B>&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36,024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Federal funds sold</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.06em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Total cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">272,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,233,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,059,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,233,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Accrued interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,693</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Deferred tax asset</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,892</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,892</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Core deposit intangible, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,846</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,828,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,682,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,828,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top" COLSPAN="8"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman"><B>LIABILITIES AND SHAREHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman"><B>&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.94em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Noninterest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">358,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325,556</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">358,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.94em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Interest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,218,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,140,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,218,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:9.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,576,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,466,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,576,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Accrued interest and other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,006</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,092</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,006</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.06em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,686,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,544,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,686,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Commitments and contingent liabilities KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Preferred stock, $5.00 par value, 15,000,000 shares authorized, no shares issued</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Common stock, $1.00 par value, 50,000,000 shares authorized, 9,616,275 issued, 8,751,923 and
8,901,443 shares outstanding, respectively</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Additional <FONT STYLE="white-space:nowrap">paid-in</FONT> capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Treasury stock, 864,352 and 714,832 shares at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16,486</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.82em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Less KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.71em; text-indent:-0.71em; font-size:8.5pt; font-family:Times New Roman">Total shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,828,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,682,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,828,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_3"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED STATEMENTS OF EARNINGS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For the Years ended December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loans, including fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">55,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">47,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Taxable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Nontaxable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Federal funds sold and interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">391</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,050</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">FHLB advances and federal funds purchased</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">699</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other borrowed money</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">586</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">497</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,868</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net interest income after provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,584</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Service charges</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,530</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net realized gain (loss) on securities transactions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net realized gain on sale of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other operating income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,860</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Employee compensation and benefits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,611</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Occupancy expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income tax provision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Basic earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Diluted earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_4"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For the Years ended December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other comprehensive income (loss):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Unrealized (losses) gains on securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Unrealized holding (losses) gains arising during the period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(83</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,152</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amortization of net unrealized gains on held to maturity securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Reclassification adjustment for net (gains) losses included in net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(82</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(77</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Tax effect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(707</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Unrealized holding gains (losses) arising during the period on interest rate swaps</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(42</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total other comprehensive income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(749</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;12,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;9,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_5"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS&#146; EQUITY </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For the Years ended December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share amounts) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Preferred<BR>Stock</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Common<BR>Stock</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Additional<BR><FONT STYLE="white-space:nowrap">Paid-in</FONT><BR>Capital</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Retained<BR>Earnings</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Treasury<BR>Stock</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Accumulated<BR>Other<BR>Comprehensive<BR>Loss</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Less:<BR>KSOP-<BR>Owned<BR>Shares</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total<BR>Shareholders&#146;<BR>Equity</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Balance at January&nbsp;1, 2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">67,865</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,069</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,918</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5,824</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(36,300</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75,989</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(749</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(749</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Purchase of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,568</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,568</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Issuance of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,519</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,423</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(597</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,345</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Stock based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Net change in fair value of KSOP shares</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Dividends:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Common - $0.50 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,526</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,526</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Balance at December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16,486</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(35,384</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Other comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Exercise of stock options</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Purchase of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,218</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15,218</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Sale of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,261</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,818</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Stock based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Net change in fair value of KSOP shares</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,538</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,538</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.75em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Dividends:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-0.75em; font-size:8pt; font-family:Times New Roman">Common - $0.52 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,615</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,615</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Balance at December&nbsp;31, 2016</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">101,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">57,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(20,111</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(31,661</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_6"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED STATEMENTS OF CASH FLOWS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For the Years ended December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Adjustments to reconcile net earnings to net cash provided from operating activities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Depreciation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,183</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,958</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,330</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Premium amortization, net of discount accretion</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net realized (gain) loss on securities transactions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(82</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(77</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Gain on loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,718</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,053</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Origination of loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(62,620</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(59,217</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,642</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Write-down of other real estate and repossessed assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net loss on sale of premises, equipment, other real estate owned and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Stock based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in accrued interest receivable and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,786</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,781</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in accrued interest payable and other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">964</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,917</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,214</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Securities available for sale:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(250,485</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(414,191</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from sales</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,942</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140,668</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities and principal repayments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">259,719</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">246,113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Securities held to maturity:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(86,642</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,088</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from sales</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,866</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities and principal repayments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Acquisition of Denton branch, net of cash paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Acquisition of DCB Financial Corporation, net of cash paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,308</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Acquisition of Texas Leadership Bank of Royce City, net of cash paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net purchases of premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,599</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,013</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net proceeds from sale of premises, equipment, other real estate owned and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net increase in loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(184,126</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(120,155</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash used in investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(133,981</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(147,495</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSOLIDATED STATEMENTS OF CASH FLOWS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For the Years ended December&nbsp;31, 2016 and 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands) </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,104</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from FHLB advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120,178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Repayment of FHLB advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(86,350</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(90,197</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from other debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Repayment of other debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,714</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Issuance of debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Repayments of debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Purchase of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,218</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,568</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Sale of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Exercise of stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Sale of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,266</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash dividends</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,615</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,526</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash provided by financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144,998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,662</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Supplemental disclosures of cash flow information</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,929</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income taxes paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Supplemental schedule of noncash investing and financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Transfer loans to other real estate owned and repossessed assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">808</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Common stock issued in acquisitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Transfer of KSOP shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,261</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in fair value of KSOP shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,513</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">See accompanying notes to consolidated financial statements. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-8 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="fin814489_7"></A>GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a summary of the significant accounting policies followed in the preparation of the consolidated financial
statements. The policies conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Principles of Consolidation</U>: The consolidated financial statements include the accounts of Guaranty Bancshares, Inc. and its
wholly-owned subsidiary Guaranty Bank&nbsp;&amp; Trust, N.A., (&#147;Bank&#148;). All entities combined are collectively referred to as the &#147;Company&#148;. All significant intercompany balances and transactions have been eliminated in
consolidation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U><FONT STYLE="white-space:nowrap">Non-Bank</FONT> Investments</U>: Guaranty Bank&nbsp;&amp; Trust has five wholly-owned <FONT
STYLE="white-space:nowrap">non-bank</FONT> subsidiaries, Guaranty Company, GB Com, Inc., 2800 South Texas Avenue LLC, Pin Oak Realty Holdings, Inc. and Pin Oak Energy, LLC. All significant intercompany balances and transactions have been eliminated
in consolidation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Unaudited Pro Forma Financial Information</U>: The accompanying pro forma consolidated balance sheet reflects the
assumed termination of the put right associated with shares of common stock distributed from the Company&#146;s employee stock ownership plan, which would occur if the Company decides to file an initial public offering and list its common stock on a
national securities exchange. The unaudited pro forma balance sheet does not give effect to the Company&#146;s issuance and sale of common stock if the Company were to decide to complete an initial public offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Nature of Operations</U>: The Company operates several banking locations in Texas. The Company&#146;s main sources of income are derived
from granting loans, primarily in East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex and investing in securities issued by the U.S. Treasury, U.S. government agencies and state and political subdivisions. A variety of financial
products and services are provided to individual and corporate customers. The primary deposit products are checking accounts, money market accounts and certificates of deposit. The primary lending products are real estate, commercial and consumer
loans. Although the Company has a diversified loan portfolio, a substantial portion of its debtors&#146; abilities to honor contracts is dependent on the economy of East Texas, Bryan/College Station and the Dallas/Fort Worth metroplex. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Use of Estimates</U>: To prepare financial statements in conformity with accounting principles generally accepted in the United States of
America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided. Actual future results could differ. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Cash and Cash Equivalents</U>: Cash and cash equivalents include cash, due from banks, interest-bearing deposits with other banks that have
initial maturities less than 90 days and federal funds sold. Net cash flows are reported for loan and deposit transactions, and short-term borrowings with initial maturities less than 90 days. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Marketable Securities</U>: Securities are classified as held to maturity and carried at amortized cost when management has the positive
intent and ability to hold them to maturity. Securities are classified as available for sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other
comprehensive income. Management determines the </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-9 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
appropriate classification of securities at the time of purchase. Interest income includes amortization and accretion of purchase premiums and discounts. Gains and losses on sales are recorded on
the trade date and determined using the specific identification method. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management evaluates securities for other-than-temporary
impairment (&#147;OTTI&#148;) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.&nbsp;For securities in an unrealized loss position, management considers the extent and duration of the
unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before
recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.&nbsp;For debt securities that
do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income.&nbsp;The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U><FONT STYLE="white-space:nowrap">Non-marketable</FONT> Securities</U>: Other securities, such as stock in the Independent Bankers Financial
Corporation, the Federal Reserve Bank, and the Federal Home Loan Bank are accounted for on the cost basis and are carried in other assets. Stock in Valesco, Commerce Street Capital, L.P., Independent Bankers Capital Fund II, L.P. and Independent
Bankers Capital Fund III, L.P., are accounted for on the cost basis in other assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Loans Held for Sale</U>: Certain residential
mortgage loans are originated for sale in the secondary mortgage loan market. These loans are carried at the lower of cost or estimated fair market value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance
by charges to income. To mitigate the interest rate risk, fixed commitments may be obtained at the time loans are originated or identified for sale. All sales are made without recourse. Gains or losses on sales of mortgage loans are recognized at
settlement dates based on the difference between the selling price and the carrying value of the related mortgage loans sold. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Loans</U>: Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are reported
at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses and any deferred fees or costs on originated loans. Interest income was reported on the level-yield interest method and included amortization of net
deferred loan fees and costs over the loan term. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Nonaccrual Loans</U>: Loans are placed on nonaccrual status at ninety days past due
or as determined by management, and interest is considered a loss. The accrual of interest on loans is discontinued when, in management&#146;s opinion, the borrower may be unable to meet payments as they become due. When interest accrual is
discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all principal and interest amounts
contractually due are brought current and future payments are reasonably assured. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Certain Acquired Loans</U>: During 2015, the Company
acquired a group of loans through the acquisition of DCB Financial Corporation (&#147;DCB&#148;), the holding company for Preston State Bank, Dallas, and Texas Leadership </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-10 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
Bank (&#147;TLB&#148;) as described in Note 2. During 2016, the Company acquired overdrafts and recorded as loans through the acquisition of Denton as described in Note 2. Acquired loans are
recorded at their estimated fair value at the acquisition date, and are initially classified as either purchased credit impaired (&#147;PCI&#148;) loans (i.e. loans that reflect credit deterioration since origination and it is probable at
acquisition that the Company will be unable to collect all contractually required payments) or purchased <FONT STYLE="white-space:nowrap">non-impaired</FONT> loans (&#147;acquired performing loans&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Acquired performing loans are accounted for under Financial Accounting Standards Board&#146;s Accounting Standards Codification (ASC) <FONT
STYLE="white-space:nowrap">310-20,</FONT> <I>&#147;Nonrefundable Fees and Other Costs&#148;</I>. Performance of certain loans may be monitored and based on management&#146;s assessment of the cash flows and other facts available, portions of the
accretable difference may be delayed or suspended if management deems appropriate. The Company&#146;s policy for determining when to discontinue accruing interest on acquired performing loans and the subsequent accounting for such loans is
essentially the same as the policy for originated loans described above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Allowance for Loan Losses</U>: The allowance for loan losses
is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors.
Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management&#146;s judgment, should be charged off. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually
classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified
resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting
scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls
on <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">case-by-case</FONT></FONT> basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the
delay, the borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Loans
are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#146;s existing rate or at the fair value
of collateral, less costs to sell, if repayment is expected solely from the collateral. Large groups of homogeneous loans are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-11 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Troubled debt restructurings are separately identified for impairment disclosures and are
measured at the present value of estimated future cash flows using the loan&#146;s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the
collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The general component covers <FONT STYLE="white-space:nowrap">non-impaired</FONT> loans and is based on historical loss experience adjusted
for current qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company. This actual loss experience is supplemented with other qualitative factors based
on the risks present for each portfolio segment. These qualitative factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and
terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local
economic trends and conditions; industry conditions; effects of changes in credit concentrations; changes in the quality of the Company&#146;s loan review system; and changes in the values of underlying collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An allowance for loan losses for acquired performing loans is calculated using a methodology similar to that described for originated loans.
Acquired performing loans are subsequently evaluated for any required allowance at each reporting date. Such required allowance for each loan is compared to the remaining fair value discount for that loan. If greater, the excess is recognized as an
addition to the allowance through a provision for loan losses. If less than the discount, no additional allowance is recorded. Charge-offs and losses first reduce any remaining fair value discount for the loan and once the discount is depleted,
losses are applied against the allowance established for that loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Below is a summary of the segments of the Company&#146;s loan
portfolio: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="67%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Commercial and industrial:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">This portfolio segment includes general secured and unsecured commercial loans which are not secured by real estate.
Risks inherent in this portfolio segment include fluctuations in the local and national economy.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Construction and development:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>This portfolio segment includes all loans for the purpose of construction, including both business and
residential structures; and real estate development loans, including non agricultural vacant land. Risks inherent in this portfolio include fluctuations in property values and changes in the local and national economy.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Commercial real estate:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>The commercial real estate portfolio segment includes all commercial loans that are secured by real estate, other
than those included in the construction and development, farmland, multi-family, and <FONT STYLE="white-space:nowrap">1-4</FONT> family residential segments. Risks inherent in this portfolio segment include fluctuations in property values and
changes in the local and national economy impacting the sale of the finished structures.</P></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-12 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="67%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Farmland:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>The farmland portfolio includes loans that are secured by real estate that is used or usable for agricultural
purposes, including land used for crops, livestock production, grazing&nbsp;&amp; pasture land and timberland. This segment includes land with a <FONT STYLE="white-space:nowrap">1-4</FONT> family residential structure if the value of the land
exceeds the value of the residence. Risks inherent in this portfolio segment include adverse changes in climate, fluctuations in feed and cattle prices and changes in property values.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Consumer:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>This portfolio segment consists of <FONT STYLE="white-space:nowrap">non-real</FONT> estate loans to consumers. This
includes secured and unsecured loans such as auto and personal loans. <I></I>The risks inherent in this portfolio segment include those factors that would impact the consumer&#146;s ability to meet their obligations under the loan. These include
increases in the local unemployment rate and fluctuations in consumer and business sales.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I><FONT STYLE="white-space:nowrap">1-4</FONT> family residential:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>This portfolio segment includes loans to both commercial and consumer borrowers secured by real estate for
housing units of up to four families. Risks inherent in this portfolio segment include increases in the local unemployment rate, changes in the local economy and factors that would impact the value of the underlying collateral, such as changes in
property values.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Multi-family residential:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">This portfolio segment includes loans secured by structures containing five or more residential housing units. Risks
inherent in this portfolio segment include increases to the local unemployment rate, changes in the local economy, and factors that would impact property values.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Agricultural:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>The agricultural portfolio segment includes loans to individuals and companies in the dairy and cattle industries
and farmers. Loans in the segment are secured by collateral including cattle, crops and equipment. Risks inherent in this portfolio segment include adverse changes in climate and fluctuations in feed and cattle prices.</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Credit Quality Indicators - The Company monitors the credit quality of the loans in the various segments by
identifying and evaluating credit quality indicators specific to each segment class. This information is incorporated into management&#146;s analysis of the adequacy of the allowance for loan losses. Information for the credit quality indicators is
updated monthly or quarterly for classified assets and at least annually for the remainder of the portfolio. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-13 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a discussion of the primary credit quality indicators most closely monitored
for the respective portfolio segment classes: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="67%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Commercial and industrial:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>In assessing risk associated with commercial loans, management considers the business&#146;s cash flow and the
value of the underlying collateral to be the primary credit quality indicators.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Construction and development:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>In assessing the credit quality of construction loans, management considers the ability of the borrower to
finance principal and interest payments in the event that he is unable to sell the completed structure to be a primary credit quality indicator. For real estate development loans, management also considers the likelihood of the successful sale of
the constructed properties in the development.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Commercial real estate:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>Management considers the strength of the borrower&#146;s cash flows, changes in property values and occupancy
status to be key credit quality indicators of commercial real estate loans.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Farmland:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>In assessing risk associated with farmland loans, management considers the borrower&#146;s cash flows and
underlying property values to be key credit quality indicators.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Consumer:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>Management considers the debt to income ratio of the borrower, the borrower&#146;s credit history, the availability
of other credit to the borrower, the borrower&#146;s <FONT STYLE="white-space:nowrap">past-due</FONT> history, and, if applicable, the value of the underlying collateral to be primary credit quality indicators.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I><FONT STYLE="white-space:nowrap">1-4</FONT> family residential:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>Management considers changes in the local economy, changes in property values, and changes in local unemployment
rates to be key credit quality indicators of the loans in the <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loan segment.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Multi-family residential:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>Management considers changes in the local economy, changes in property values, vacancy rates and changes in local
unemployment rates to be key credit quality indicators of the loans in the multifamily loan segment.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Agricultural:</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><I></I>In assessing risk associated with agricultural loans, management considers the borrower&#146;s cash flows, the value
of the underlying collateral and sources of secondary repayment to be primary credit quality indicators.</P></TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-14 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Premises and Equipment</U>: Land is carried at cost. Premises and equipment are stated at
cost, less accumulated depreciation. Depreciation is provided on the straight-line method over the estimated useful lives of the related assets. Maintenance, repairs and minor improvements are charged to noninterest expense as incurred. The
following table provides a summary of the estimated useful life of the different fixed asset classes as stated in the policy: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Bank Buildings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Up to 40 years</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">to 10 years</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Furniture and Fixtures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">to 7 years</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Software</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">to 5 years</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Automobiles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">to 4 years</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Other Real Estate Owned</U>: Assets acquired through, or in lieu of, foreclosure are initially recorded at
fair value, less estimated carrying and selling costs, when acquired, establishing a new cost basis. If fair value declines, a valuation allowance is recorded through expense. Costs after acquisition are expensed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Transfers of Financial Assets</U>: Transfers of financial assets are accounted for as sales, when control over the assets has been
surrendered. Control over transferred assets is deemed to be surrendered when (1)&nbsp;the assets have been isolated from the Company, (2)&nbsp;the transferee obtains the right (free of conditions that constrain it from taking advantage of that
right) to pledge or exchange the transferred assets, and (3)&nbsp;the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Goodwill and Other Intangible Assets</U>: Goodwill resulting from business combinations is generally determined as the excess of the fair
value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets acquired
in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually or more frequently if events and circumstances exists that indicate that a goodwill impairment test
should be performed. Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our balance sheet. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Impairment exists when a reporting unit&#146;s carrying value of goodwill exceeds its fair value. At the measurement date, the Company had
positive equity and the Company elected to perform a qualitative assessment to determine if it was more likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill. The qualitative assessment indicated
that it was more likely than not that the fair value of the reporting unit exceeded its carrying value, resulting in no impairment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Core
deposit intangibles represent premiums paid on acquired deposits based on the estimated fair value of the deposits at the time of purchase. These premiums are amortized over a ten year period. </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-15 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Company Owned Life Insurance</U>: The Company has purchased life insurance policies on
certain key executives. Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are
probable at settlement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Income Taxes</U>: Deferred tax assets and liabilities are the expected future tax amounts for the temporary
differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A tax position is recognized as a benefit only if it is &#147;more likely than not&#148; that the tax position would be sustained in a tax
examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#147;more likely than
not&#148; test, no tax benefit is recorded. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company recognizes interest and/or penalties related to income tax matters in income tax
expense. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Fair Values of Financial Instruments</U>: Fair values of financial instruments are estimated using relevant market
information and other assumptions. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items.
Changes in assumptions or in market conditions could significantly affect the estimates. The fair value estimates of existing on and <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet financial instruments do not include the value of
anticipated future business or the value of assets and liabilities not considered financial instruments. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Loss Contingencies</U>: Loss
contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Derivative Financial Instruments</U>: The Company accounts for its derivatives under ASC 815, <I>&#147;Derivatives and Hedging,&#148;</I>
which requires recognition of all derivatives as either assets or liabilities in the balance sheet and requires measurement of those instruments at fair value through adjustments to accumulated other comprehensive income and/or current earnings, as
appropriate. On the date the Company enters into a derivative contract, the Company designates the derivative instrument as either a fair value hedge, cash flow hedge or as a free-standing derivative instrument. For a fair value hedge, changes in
the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability or of an unrecognized firm commitment attributable to the hedged risk are recorded in current period operations. For a cash flow hedge,
changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in accumulated other comprehensive income and subsequently reclassified to operations in the same period(s) that the hedged transaction impacts
operations. For free-standing derivative instruments, changes in fair value are reported in current period operations. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-16 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Prior to entering a hedge transaction, the Company formally documents the relationship
between hedging instruments and hedged items, as well as the risk management objective and strategy for undertaking various hedge transactions. This process includes linking all derivative instruments that are designated as fair value or cash flow
hedges to specific assets and liabilities on the balance sheet or to specific forecasted transactions along with a formal assessment at both inception of the hedge and on an ongoing basis as to the effectiveness of the derivative instrument in
offsetting changes in fair values or cash flows of the hedged item. If it is determined that the derivative instrument is not highly effective as a hedge, hedge accounting is discontinued and the adjustment to fair value of the derivative instrument
is recorded in operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Dividend Restriction</U>: Banking regulations require the maintenance of certain capital levels that may
limit the amount of dividends that may be paid. Regulatory capital requirements are more fully disclosed in Note 18. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Restrictions on
Cash</U>: The Company was not required to have cash on hand or on deposit with the Federal Reserve Bank to meet regulatory reserve and clearing requirements as of December&nbsp;31, 2016 and 2015. Deposits held with the Federal Reserve Bank earn
interest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Stock Compensation</U>: In accordance with ASC 718<I>, &#147;Stock Compensation,&#148;</I> the Company uses the fair value
method of accounting for share based compensation prescribed by the standard. The fair value of options granted is determined using the Black-Scholes option valuation model. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting,
compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Earnings Per
Share</U>: Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period. KSOP shares are considered outstanding for this calculation unless unearned. All outstanding unvested
share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Diluted earnings per share includes the dilutive effect of additional potential common shares issuable under
stock options. Earnings and dividends per share are presented as if all stock splits and stock dividends were effective from the earliest period presented through the date of issuance of the financial statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Comprehensive Income (Loss)</U>: Comprehensive income (loss) consists of net income and other comprehensive income (loss). Other
comprehensive income (loss) includes unrealized gains and losses on securities available for sale and unrealized gains and losses on cash flow hedges which are also recognized as separate components of equity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Operating Segments</U>: While the chief decision-makers monitor the revenue streams of the various products and services, operations are
managed and financial performance is evaluated on a <FONT STYLE="white-space:nowrap">Company-wide</FONT> basis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Operating segments are
aggregated into one as operating results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment. </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-17 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Reclassification</U>: Certain amounts in prior period financial statements may have been
reclassified to conform to current period presentation. These reclassifications are immaterial and have no effect on net income, total assets or stockholders&#146; equity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Subsequent Events</U>: The Company has evaluated all subsequent events for potential recognition and disclosure through March&nbsp;1, 2017,
the date of which the consolidated financial statements were available to be issued. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Recent Accounting Pronouncements:</U> In August
2016, the Financial Accounting Standards Board (&#147;FASB&#148;) issued Accounting Standards Update <FONT STYLE="white-space:nowrap">2016-15,</FONT><I> Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash
Payments</I> (ASU <FONT STYLE="white-space:nowrap">2016-15),</FONT> to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments provide guidance on the following
nine specific cash flow issues: 1) debt prepayment or debt extinguishment costs; 2) settlement of <FONT STYLE="white-space:nowrap">zero-coupon</FONT> debt instruments or other debt instruments with coupon interest rates that are insignificant in
relation to the effective interest rate of the borrowing; 3) contingent consideration payments made after a business combination; 4) proceeds from the settlement of insurance claims; 5) proceeds from the settlement of corporate-owned life insurance
policies, including bank-owned; 6) life insurance policies; 7) distributions received from equity method investees; 8) beneficial interests in securitization transactions; and 9) separately identifiable cash flows and application of the predominance
principle. The amendments are effective for public companies for fiscal years beginning after December&nbsp;31, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning
after December&nbsp;15, 2018, and interim periods with fiscal years beginning after December&nbsp;15, 2019. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of this guidance to be
material to the consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In June 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-13,</FONT><I>
Financial Instruments&#151;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments</I>, which sets forth a &#147;current expected credit loss&#148; (&#147;CECL&#148;) model requiring the Company to measure all expected
credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit
losses on financial assets measured at amortized cost and applies to some <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet credit exposures. For public business entities that are not U.S. Securities and Exchange Commission filers, the
amendments in this update are effective for fiscal years beginning after December&nbsp;15, 2020, including interim periods within those fiscal years. The Company is currently in the process of assembling a transition team to assess the adoption of
this ASU, which will come up with a project plan regarding implementation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In March 2016, the FASB issued ASU <FONT
STYLE="white-space:nowrap">2016-09,</FONT><I> Compensation&#151;Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting</I>, which is intended to simplify several aspects of the accounting for share-based payment
transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. ASU <FONT STYLE="white-space:nowrap">2016-09</FONT> is effective for annual periods
beginning after December&nbsp;15, 2016, and interim periods within those annual periods. Early application is permitted. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-18 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In February 2016, the FASB issued ASU
<FONT STYLE="white-space:nowrap">2016-02,</FONT><I>&nbsp;Leases (Topic 842)</I>. The FASB issued this ASU to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet by
lessees for those leases classified as operating leases under current U.S. GAAP and disclosing key information about leasing arrangements. The amendments in this ASU are effective for public business entities for annual periods, and interim periods
within those annual periods, beginning after December&nbsp;15, 2018. Early application of this ASU is permitted for all entities. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In January 2016, the FASB issued ASU <FONT STYLE="white-space:nowrap">2016-01,</FONT><I> Financial Instruments-Recognition and
Measurement of Financial Assets and Liabilities</I>, which is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with
changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities
by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement to disclose the fair value of financial
instruments measured at amortized cost for organizations that are not public business entities; eliminating the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is
required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a
liability resulting from a change in the instrument-specific credit risk (also referred to as &#147;own credit&#148;) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial
instruments. This ASU is effective for public companies for fiscal years beginning after December&nbsp;15, 2017, including interim periods within those fiscal years. This ASU permits early adoption of the instrument-specific credit risk provision.
The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In September 2015,
the FASB issued ASU <FONT STYLE="white-space:nowrap">2015-16,</FONT><I> Business Combinations (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments</I>. The amendments in ASU <FONT STYLE="white-space:nowrap">2015-16</FONT>
require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the
same period&#146;s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the
acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in
previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date.&nbsp;The amendments in this ASU became effective for public business entities for fiscal years beginning after December&nbsp;15,
2015, including interim periods within those fiscal years. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have
not been issued. The adoption of this pronouncement did not have a material effect on the consolidated financial statements. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-19 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In May 2014, the FASB issued ASU 2014-09, <I>Revenue from Contracts with Customers (Topic
606), </I>followed by various amendments<I>: </I>ASU 2015-14, <I>Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, </I>ASU 2016-08, <I>Revenue from Contracts with Customers (Topic 606): Principal versus Agent
Considerations (Reporting Revenue Gross versus Net), </I>ASU 2016-10, <I>Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing, </I>ASU 2016-11, <I>Revenue Recognition (Topic 605) and Derivatives and
Hedging (Topic 815): Rescission of SEC Guidance Because of Accounting Standards Updates 2014-09 and 2014-16 Pursuant to Staff Announcements at the March 3, 2016 EITF Meeting, </I>and ASU 2016-12, <I>Revenue from Contracts with Customers (Topic 606):
Narrow-Scope Improvements and Practical Expedients. </I>The amendments in these updates amend existing guidance related to revenue from contracts with customers. The amendments supersede and replace nearly all existing revenue recognition guidance,
including industry-specific guidance, establish a new control-based revenue recognition model, change the basis for deciding when revenue is recognized over a time or point in time, provide new and more detailed guidance on specific topics and
expand and improve disclosures about revenue. In addition, these amendments specify the accounting for some costs to obtain or fulfill a contract with a customer. The amendments are effective for annual and interim periods beginning after December
15, 2017, and must be retrospectively applied.&nbsp;The majority of the Company&#146;s income consists of net interest income on financial assets and financial liabilities, which is explicitly excluded from the scope of the amendments. The Company
continues to evaluate the impact of the amendments on the components of noninterest income that have recurring revenue streams; however, the Company does not expect any recognition changes to have a significant impact to the Company&#146;s
consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 2 - ACQUISITIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On close of business March&nbsp;27, 2015, the Company acquired 100% of the outstanding common shares of DCB, the holding company for Preston
State Bank, Dallas, in exchange for a combination of cash and stock amounting to total consideration of $29,681. Under the terms of the acquisition, 68 common shareholders received 923,133 shares of the Company&#146;s common stock in exchange for
1,378,345 shares of DCB. With the acquisition, the Company has expanded its market to the Dallas/Fort Worth metroplex. Results of operations of the acquired company were included in the Company&#146;s results beginning March&nbsp;28, 2015.
Acquisition-related costs of $403 are included in other operating expenses in the Company&#146;s consolidated statement of earnings for the year ended December&nbsp;31, 2015. The fair value of the common shares issued as part of the consideration
paid for DCB was determined based upon the closing price of the Company&#146;s common shares on the acquisition date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On close of
business April&nbsp;10, 2015, the Company acquired 100% of the outstanding common shares of TLB in exchange for combination of cash and stock amounting to total consideration of $14,215. Under the terms of the acquisition, 124 common shareholders
received 280,160 shares of the Company&#146;s common stock in exchange for 594,779 shares of TLB. With the acquisition, the Company has expanded its market in the Dallas/Fort Worth metroplex. Results of operations were included in the Company&#146;s
results beginning April&nbsp;11, 2015. Acquisition-related costs of $239 are included in other operating expenses in the Company&#146;s consolidated statement of earnings for the year ended December&nbsp;31, 2015. The fair value of the common shares
issued as part of the consideration paid for TLB was determined based upon the closing price of the Company&#146;s common shares on the acquisition date. </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-20 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 2 - ACQUISITIONS</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On close of business August&nbsp;6, 2016, the Company acquired certain assets and liabilities
comprised of a branch location in Denton, Texas (Denton), which resulted in the addition of approximately $4,659 in assets and liabilities.&nbsp;The Company acquired the bank premises at 4101 Wind River Lane in Denton, Texas and recorded it at fair
market value of $2,075.&nbsp;Other assets acquired, at fair value, included cash of $2,399, core deposit intangible of $42, goodwill of $141 and loans of $2. Liabilities assumed included <FONT STYLE="white-space:nowrap">non-interest</FONT> bearing
deposits of $581, interest bearing deposits of $4,047 and other liabilities of $30. Consideration paid by the Company for the acquired assets and assumed liabilities of $66 was netted against the cash received. Acquisition-related costs of $41 are
included in other operating expenses in the Company&#146;s consolidated statement of earnings for the year ended December&nbsp;31, 2016.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Goodwill of $8,670 for DCB, $3,815 for TLB, and $140 for Denton arising from the acquisition consisted largely of synergies and the cost
savings resulting from the combining of the operations of the companies. Goodwill of $141 is expected to be deductible for income taxes purposes. The following table summarizes the consideration paid for DCB and TLB and the fair value of the assets
acquired and liabilities assumed recognized at the acquisition date: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Consideration: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.50pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DCB</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:18.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TLB</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,449</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,771</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Equity instruments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Fair value of total consideration transferred</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;29,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;14,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-21 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 2 - ACQUISITIONS</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the estimated fair value of the assets acquired and
liabilities assumed at the date of acquisitions, March&nbsp;27, 2015 and April&nbsp;10, 2015 and respectively. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.50pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DCB</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:18.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TLB</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Investment securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,862</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loans, net of discount of $1,389 and $468, respectively</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Accrued interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Nonmarketable equity securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Core deposit intangible</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">534</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,558</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total assets acquired</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">130,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,702</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">519</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total liabilities assumed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109,159</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net assets acquired (liabilities assumed)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total consideration paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;14,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The fair value of net assets acquired includes fair value adjustments to certain receivables that were not
considered impaired as of the acquisition date (&#147;acquired performing loans&#148;). The fair value adjustments were determined using discounted contractual cash flows. However, the Company believes that all contractual cash flows related to
these financial instruments will be collected. As such, these receivables were not considered impaired at the acquisition date and were not subject to the guidance relating to purchased credit impaired loans, which have shown evidence of credit
deterioration since origination. Acquired performing loans had fair value and gross contractual amounts receivable of $118,154 and $119,543, respectively for DCB, $43,568 and $44,036, respectively for TLB, and $2 and $2, respectively for Denton on
the date of acquisition. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-22 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 3 - MARKETABLE SECURITIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at
December&nbsp;31, 2016 and 2015 and the corresponding amounts of gross unrealized gains and losses: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>December&nbsp;31, 2016</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Amortized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Cost</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross<BR>Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Gains</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross<BR>Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Losses</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated<BR>Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Value</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="13" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,883</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,298</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,608</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,690</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,182</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,273</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Held to maturity:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="13" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">149,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">146,432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">265</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">186,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>December&nbsp;31, 2015</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Amortized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Cost</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross<BR>Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Gains</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross<BR>Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Losses</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated<BR>Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Value</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="13" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">412</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109,462</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108,191</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">930</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">276,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">272,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Held to maturity:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="13" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">U.S. government agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,279</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,224</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">504</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">711</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-23 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 3 - MARKETABLE
SECURITIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s mortgage-backed securities portfolio includes <FONT
STYLE="white-space:nowrap">non-agency</FONT> collateralized mortgage obligations with a market value of $1,636 which had unrealized losses of $521 at December&nbsp;31, 2016. These <FONT STYLE="white-space:nowrap">non-agency</FONT> mortgage-backed
securities were rated AAA at purchase. The Company monitors to ensure it has adequate credit support and the Company records OTTI as appropriate. The Company does not have the intent to sell these securities and it is likely that it will not be
required to sell the securities before their anticipated recovery. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management evaluates securities for OTTI on at least a quarterly
basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1)&nbsp;the length of time and the extent to which the fair value has been less than cost, (2)&nbsp;the financial condition and near-term
prospects of the issuer, and (3)&nbsp;the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. There were no other than temporary impairment
losses on debt securities related to credit losses recognized during the years ended December&nbsp;31, 2016 and 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Information
pertaining to securities with gross unrealized losses at December&nbsp;31, 2016 and December&nbsp;31, 2015 aggregated by investment category and length of time that individual securities have been in a continuous loss position is detailed in the
following tables. At December&nbsp;31, 2016, the Company held seven securities which had been in continuous loss positions over twelve months and 170 securities which had been in continuous loss position less than twelve months. Of the securities in
a loss position over twelve months, five were classified as available for sale and two were classified as held to maturity. Of the securities in a loss position less than twelve months, 28 were classified as available for sale and 142 were
classified as held to maturity. The securities in a loss position were composed of tax exempt municipal bonds, corporate bonds, collateralized mortgage obligations and mortgage backed securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management believes the unrealized loss on the remaining securities is a function of the movement of interest rates since the time of
purchase. Based on evaluation of available evidence, including recent changes in interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are
temporary. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment would be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is
identified. The Company does not have the intent to sell these mortgage-backed securities and it is likely that it will not be required to sell the securities before their anticipated recover. The Company does not consider these securities to be
other-than-temporarily impaired at December&nbsp;31, 2016. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-24 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 3 - MARKETABLE
SECURITIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes securities with unrealized losses at December&nbsp;31, 2016
and 2015, aggregated by major security type and length of time in a continuous unrealized loss position: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:87.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Less Than 12 Months</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:85.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 Months or Longer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><U>December&nbsp;31, 2016</U></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(377</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(377</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(622</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(622</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,047</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(561</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,608</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,690</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(437</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(229</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(666</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(2,483</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">129,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(790</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(3,273</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">153,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Held to maturity:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(3,889</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">98,943</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(3,889</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">98,943</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(290</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(290</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(521</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(521</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(4,179</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(521</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(4,700</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:87.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Less Than 12 Months</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:85.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 Months or Longer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gross</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><U>December&nbsp;31, 2015</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(412</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(412</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(640</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,172</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,812</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(913</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,305</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(930</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,965</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">167,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,189</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">58,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(3,154</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">225,869</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Held to maturity:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(11</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,026</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(7</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">854</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(18</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,880</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(157</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(157</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(536</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(536</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(168</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(543</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(711</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-25 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 3 - MARKETABLE
SECURITIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Mortgage-backed securities and collateralized mortgage obligations are backed by pools of
mortgages that are insured or guaranteed by the Federal Home Loan Mortgage Corporation (FHLMC), the Federal National Mortgage Association (FNMA) or the Government National Mortgage Association (GNMA). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016, there were no holdings of securities of any one issuer, other than the U.S. government and its agencies, in an
amount greater than 10% of shareholders&#146; equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Securities with fair values of approximately $259,499 and $282,896 at
December&nbsp;31, 2016 and December&nbsp;31, 2015, respectively, were pledged to secure public fund deposits and for other purposes as required or permitted by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The proceeds from sales of securities and the associated gains and losses are listed below: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2015</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">105,808</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,668</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Gross gains</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Gross losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(161</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(145</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the year ended December&nbsp;31, 2016, the Company sold three held to maturity securities. The Company
sold these municipalities securities based upon internal credit analysis, that they had experienced significant deterioration in creditworthiness. The risk exposure presented by these municipalities had increased beyond acceptable levels and we
determined that it was reasonably possible that all amounts due would not be collected. The credit analysis determined that the municipalities had been significantly impacted by the significant decline in market oil prices due to the fact that their
tax bases are heavily reliant on the energy industry relative to other sectors of the economy. Specifically, the revenues of these municipalities had been adversely impacted by the sustained <FONT STYLE="white-space:nowrap">low-level</FONT> of oil
prices. The Company believes the sale of these securities were merited and permissible under the applicable accounting guidelines because of the significant deterioration in the creditworthiness of the issuers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Sale of securities held to maturity were as follows for the years ended December 31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2015</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds from sales</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,866</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amortized cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,842</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Gross realized gains</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Tax expense related to securities gains/losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-26 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 3 - MARKETABLE
SECURITIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The contractual maturities at December 31, 2016 of available for sale and held to maturity
securities at carrying value and estimated fair value are shown below. The Company invests in mortgage-backed securities and collateralized mortgage obligations that have expected maturities that differ from their contractual maturities. These
differences arise because borrowers and/or issuers may have the right to call or prepay their obligation with or without call or prepayment penalties. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:72.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Available for Sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:67.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Held to Maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Amortized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:18.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Cost</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Amortized</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:18.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Cost</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Estimated</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:23.90pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Due within one year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">732</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Due after one year through five years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Due after five years through ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Due after ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,711</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,298</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,690</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,182</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">186,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes our loan portfolio by type of loan at December 31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,056</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Less:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total net loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,233,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,059,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016 and 2015, included in total loans above were $1,210 and $1,290 in unamortized
loan costs, net of loan fees, respectively. </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-27 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In 2015, the Company acquired loans with a fair value of $118,154 and $43,568 and gross
contractual balances of $119,543 and $44,036 as part of the acquisition of DCB Financial Corporation, the holding company for Preston State Bank, Dallas, Texas and Texas Leadership Bank, respectively. In 2016, the Company acquired overdrafts and
recorded as loans with a fair value and gross contractual fair value of $2 as part of the acquisition of Denton. All loans acquired in 2016 and 2015 were classified as acquired performing loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has entered into transactions with certain directors, executive officers, significant shareholders and their affiliates. Loans to
such related parties at December&nbsp;31, 2016 and December&nbsp;31, 2015, totaled $29,436 and $36,135, respectively. Unfunded commitments to such related parties at December&nbsp;31, 2016 totaled $14,061. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Loans to principal officers, directors, and their affiliates during the year ended December&nbsp;31, 2016, was as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">New loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,693</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Repayments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,392</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;29,436</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-28 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents the activity in the allowance for loan losses by portfolio
segment for the years ended: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:62.85pt; font-size:8pt; font-family:Times New Roman">December&nbsp;31,&nbsp;2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.10pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>and<BR>industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:41.25pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.10pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real&nbsp;estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.60pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:33.20pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:33.20pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Multi-family</FONT><BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.85pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.00pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.15pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">910</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(44</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loans <FONT STYLE="white-space:nowrap">charged-off</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,213</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(71</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(269</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(200</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,762</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">343</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:62.85pt; font-size:8pt; font-family:Times New Roman">December&nbsp;31,&nbsp;2015</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Commercial</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">and</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:30.10pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:41.25pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.10pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.60pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:33.20pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:33.20pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Multi-family</FONT><BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.85pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.00pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.15pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:16.85pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">593</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;7,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(83</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loans <FONT STYLE="white-space:nowrap">charged-off</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(192</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(215</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(219</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(227</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(913</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">280</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-29 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents the balance in the allowance for loan losses and the recorded
investment in loans by portfolio segment and based on impairment method as of: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"><U>December&nbsp;31, 2016</U></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>and<BR>industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:46.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:20.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Multi-family</FONT><BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Allowance for loan losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Ending allowance balance attributable to loans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">551</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total ending allowance balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,588</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223,766</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,541</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366,460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">360,364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,074</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,305</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,238,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total ending loans balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;53,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-30 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"><U>December&nbsp;31, 2015</U></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>and<BR>industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:46.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:20.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:34.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Multi-family</FONT><BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.00pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Allowance for loan losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Ending allowance balance attributable to loans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">316</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">461</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total ending allowance balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">251</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,298</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,412</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">311,376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,958</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,062,585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total ending allowance balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;51,056</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-31 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Credit Quality</U>: The Company closely monitors economic conditions and loan performance
trends to manage and evaluate the exposure to credit risk. Key factors tracked by the Company and utilized in evaluating the credit quality of the loan portfolio include trends in delinquency ratios, the level of nonperforming assets,
borrower&#146;s repayment capacity, and collateral coverage. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Assets are graded &#147;pass&#148; when the relationship exhibits acceptable
credit risk and indicates repayment ability, tolerable collateral coverage and reasonable performance history. Lending relationships exhibiting potentially significant credit risk and marginal repayment ability and/or asset protection are graded
&#147;special mention.&#148; Assets classified as &#147;substandard&#148; are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined
weakness that jeopardizes the liquidation of the debt. Substandard graded loans are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Assets graded &#147;doubtful&#148; are
substandard graded loans that have added characteristics that make collection or liquidation in full improbable. The Company typically measures impairment based on the present value of expected future cash flows, discounted at the loan&#146;s
effective interest rate, or based on the loan&#146;s observable market price or the fair value of the collateral if the loan is collateral-dependent. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-32 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following tables summarize the credit exposure in the consumer and commercial loan
portfolios as of: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9.5pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:74.65pt; font-size:9.5pt; font-family:Times New Roman">December&nbsp;31,&nbsp;2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.90pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>and<BR>industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:49.05pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.20pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:36.40pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Multi-family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:40.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Consumer<BR>and<BR>Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:46.40pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Pass</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">218,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">127,537</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">360,264</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">61,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">353,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">52,648</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">17,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,218,456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Special mention</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,927</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,311</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Substandard</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">401</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">208</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Doubtful</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">53,822</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9.5pt">
<TD VALIGN="bottom"><U>December&nbsp;31, 2015</U></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.90pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>and<BR>industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:49.05pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Construction<BR>and<BR>development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.20pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Commercial<BR>real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:36.40pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">1-4</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">family<BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Multi-family</FONT><BR>residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:40.55pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Consumer<BR>and<BR>Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:46.40pt; font-size:9.5pt; font-family:Times New Roman" ALIGN="center">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Pass</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">169,751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">121,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">294,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">46,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">301,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">50,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,031,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Special mention</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,670</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">730</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,448</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Substandard</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,841</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">271</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">438</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Doubtful</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">274</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;51,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-33 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the payment status of loans in the Company&#146;s total loan
portfolio, including an aging of delinquent loans, loans 90 days or more past due continuing to accrue interest and loans classified as nonperforming as of December&nbsp;31, 2016: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30
&#150;&nbsp;59<BR>Days<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60
&#150;&nbsp;89<BR>Days<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">90&nbsp;Days<BR>and&nbsp;Greater<BR>Past Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Total<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.60pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Current</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:48.10pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Total&nbsp;Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:54.20pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recorded<BR>Investment<BR>&gt;&nbsp;90
Days<BR>and&nbsp;Accruing</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">941</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,071</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">222,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">223,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,898</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">365,861</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">367,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,724</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">803</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">357,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,823</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,079</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">613</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">905</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,827</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,220</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,233,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,245,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-34 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the payment status of the loan portfolio as of
December&nbsp;31, 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30
&#150;&nbsp;59<BR>Days<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60
&#150;&nbsp;89<BR>Days<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">90&nbsp;Days<BR>and&nbsp;Greater<BR>Past Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Total<BR>Past&nbsp;Due</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.60pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Current</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Total</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:24.45pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:54.20pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recorded<BR>Investment<BR>&gt;&nbsp;90
Days<BR>and&nbsp;Accruing</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,311</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">181,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,174</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300,177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,580</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308,260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">619</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">928</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,056</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Overdrafts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">962</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,724</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,058,943</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,068,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-35 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents information regarding nonperforming (nonaccrual) assets at
December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,699</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,829</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,431</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If interest on nonaccrual loans had been accrued, such income would have been approximately $24 and $34 for
the years ended December&nbsp;31, 2016 and 2015, respectively. There were no commitments to lend additional funds to borrowers whose loans were classified as impaired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Impaired Loans and Troubled Debt Restructurings</U>: A troubled debt restructuring (&#147;TDR&#148;) is a restructuring in which a bank,
for economic or legal reasons related to a borrower&#146;s financial difficulties, grants a concession to the borrower that it would not otherwise consider. A loan is considered impaired when, based on current information and events, it is probable
that the Company will be unable to collect all amounts due from the borrower in accordance with original contractual terms of the loan. Loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected
are not considered to be impaired. Loans defined as individually impaired, based on applicable accounting guidance, include larger balance nonperforming loans and troubled debt restructurings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The modification of the terms of such loans performed during the years ended December&nbsp;31, 2016 included no deduction of the recorded
investment in the loans. The modification of the terms of such loans performed during the year ended December&nbsp;31, 2015 included a deduction of the recorded investment in the loans due to an increase in the recorded allowance. The modification
of commercial and industrial and <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loans performed during the year ended December&nbsp;31, 2016 included an extension of the maturity date at stated rate of interest lower than the current
market rate. The extensions were for periods ranging from 0 months to 3 years. The modification of commercial and industrial, consumer and <FONT STYLE="white-space:nowrap">1-4</FONT> family residential loans performed during the year ended
December&nbsp;31, 2015 included an extension of the maturity date at stated rate of interest lower than the current market rate. The extensions were for periods ranging from 0 months to 3 years. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016 and 2015, the Company has a recorded investment in TDRs of $505 and $3,701, respectively. The Company has
allocated $4 and $317 of specific allowance for these loans at December&nbsp;31, 2016 and 2015, respectively. Consumer and commercial TDR loans classified as performing totaled $462 and $3,541 as of December&nbsp;31, 2016 and 2015, respectively. All
other TDR loans are classified as nonperforming. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-36 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
The following tables present loans by class modified as TDRs that occurred during the years ended: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.40pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Number<BR>of<BR>Contracts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Pre-Modification</FONT><BR>Outstanding<BR>Recorded<BR>Investment
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Post-Modification</FONT><BR>Outstanding<BR>Recorded<BR>Investment
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><U>December&nbsp;31, 2016</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Troubled Debt Restructurings:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">334</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no TDRs that subsequently defaulted in 2016. The TDRs described above increased the allowance for
loan losses by $0 and resulted in no charge-offs during the year ended December&nbsp;31, 2016. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:38.40pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Number<BR>of<BR>Contracts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Pre-Modification</FONT><BR>Outstanding<BR>Recorded<BR>Investment
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="white-space:nowrap">Post-Modification</FONT><BR>Outstanding<BR>Recorded<BR>Investment
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><U>December&nbsp;31, 2015</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Troubled Debt Restructurings:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,929</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no TDRs that subsequently defaulted in 2015.&nbsp;&nbsp;&nbsp;&nbsp;The TDRs described above
increased the allowance for loan losses by $266 and resulted in no charge-offs during the year ended December&nbsp;31, 2015. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-37 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents information about the Company&#146;s impaired loans at
December&nbsp;31, 2016: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recorded<BR>Investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unpaid<BR>Principal<BR>Balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:43.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Related<BR>Allowance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Average<BR>Recorded<BR>Investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:47.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Interest<BR>Income<BR>Recognized</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">With no related allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,695</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">With allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;6,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,813</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-38 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN
LOSSES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents information about the Company&#146;s impaired loans at
December&nbsp;31, 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recorded</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unpaid</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:32.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Related</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:43.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Allowance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Average</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recorded</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:44.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Interest</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Income</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:47.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Recognized</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">With no related allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,687</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,687</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,335</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">With allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial and industrial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,450</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">316</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Construction and development</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Farmland</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-4</FONT> family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Multi-family residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">230</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agricultural</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subtotal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 5 - PREMISES AND EQUIPMENT </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">December&nbsp;31,<br>2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">December&nbsp;31,<br>2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Land</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,959</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Building and improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,259</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Furniture, fixtures and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,188</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Automobiles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">392</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,755</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,490</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Less: accumulated depreciation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,945</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-39 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 5 - PREMISES AND
EQUIPMENT</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Depreciation expense on premises and equipment totaled $3,183 and $2,958 for the years ended
December&nbsp;31, 2016 and 2015, respectively and is included in occupancy expenses on the consolidated statements of earnings. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 6 - GOODWILL
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Changes in the carrying amount of goodwill in the accompanying consolidated balance sheets as of December&nbsp;31 are summarized as
follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Effect of acquisitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">End of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;18,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;18,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 7 - CORE DEPOSIT INTANGIBLES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Changes in the carrying amount of core deposit intangibles in the accompanying consolidated balance sheets as of December&nbsp;31 are
summarized as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,846&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,879&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Effect of acquisitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,502&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(580</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(535</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">End of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;3,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;3,846</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Accumulated amortization was $2,523 and $1,943 at December&nbsp;31, 2016 and 2015, respectively. Amortization
expense was $580 and $535 during the years ended December&nbsp;31, 2016 and 2015, respectively. The estimated aggregate future amortization expense for core deposit intangibles remaining as of December&nbsp;31, 2016 was as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:29.45pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Year&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;Amount&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">2017</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">2018</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">2019</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">2020</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">2021</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">559</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;3,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-40 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 8 - INTEREST-BEARING DEPOSITS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;December&nbsp;31,&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:70.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2016&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;December&nbsp;31,&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:70.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">NOW accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;269,712</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;351,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Savings and money market accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">606,706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">434,973</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Time deposits less than $250,000</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">239,569</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">264,414</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Time deposits $250,000 and over</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,218,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,140,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><FONT STYLE="white-space:nowrap">Year-end</FONT> maturities of time deposits, as of December 31, 2016, were as
follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">252,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,788</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,978</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,301</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;341,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Deposits of executive officers, directors and significant shareholders at December&nbsp;31, 2016 and
December&nbsp;31, 2015 totaled $72,443 and $115,512, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 9 - BORROWED MONEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Federal Home Loan Bank (FHLB) advances , as of December 31, 2016, were as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Fixed-rate advances, with monthly interest payments, principal due in: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Year</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Current&nbsp;Weighted<br>Average Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Payments<BR>due&nbsp;by<BR>period</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Fixed-rate advances, with monthly principal and interest payments, principal due in: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Year</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Current&nbsp;Weighted<BR>Average Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Payments<BR>due by<BR>period</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-41 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 9 - BORROWED MONEY</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Average balances of borrowings outstanding during 2016 and 2015 were $62,789 and $104,118,
respectively. As a member of the FHLB system, the Bank has the ability to obtain borrowings up to a maximum total of $400,406 subject to the level of qualified, pledgeable <FONT STYLE="white-space:nowrap">1-4</FONT> family loans, multi-family loans,
small business loans, small farm loans and FHLB stock owned. The advances are collateralized by a blanket pledge of the Bank&#146;s <FONT STYLE="white-space:nowrap">1-4</FONT> family loans, multi-family loans, small business loans, small farm loans
and FHLB stock owned. The weighted-average interest rates on these borrowings were 0.47% and 1.23% at December&nbsp;31, 2016 and December&nbsp;31, 2015, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company had a $25,000 revolving line of credit mature in July 2016. $15,000 was renewed as a revolving line of credit to be used for the
repurchase of stock and other Company needs.&nbsp;The borrowings bear interest at the prime rate plus 0.75&nbsp;percent, floating daily and mature May&nbsp;1, 2017.&nbsp;The outstanding balance totaled $9,000 and $18,000 at December&nbsp;31, 2016
and 2015, respectively, and interest is payable quarterly through the maturity date.&nbsp;An additional $10,000 of the revolving line of credit that matured July 2016 was renewed as an amortizing note to be used for the repurchase of stock and other
Company needs.&nbsp;The borrowings bear interest at the lesser of 3.15&nbsp;percent or LIBOR plus 3.00&nbsp;percent, and matures May&nbsp;1, 2023.&nbsp;The outstanding balance totaled $9,286 and $0 at December&nbsp;31, 2016 and, 2015, respectively,
and the principle and interest are payable quarterly through the maturity date.&nbsp;The notes are secured by 100% of the Bank&#146;s common stock, which is owned by the Company.&nbsp;To be in compliance with the loan covenants, the Bank is required
to maintain no less than a 10% total risk-based capital ratio, must maintain no less than $85,000 in tangible net worth, the ratio of <FONT STYLE="white-space:nowrap">non-performing</FONT> assets to equity plus allowance for loan losses must not
exceed 15%, the cash flow coverage must be greater than 1.25 times and the Company is limited to acquiring additional debt of no more than $500 without prior approval.&nbsp;The Company is in compliance with all loan covenants. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Maturities of other debt based on scheduled repayments at December&nbsp;31, 2016 are as follows (in thousands of dollars): </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:113.65pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;Year Ended
December&nbsp;31&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;Amount&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-42 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 10 - SUBORDINATED DEBENTURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Subordinated debentures are made up of the following as of December 31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Debentures II</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Debentures III</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">DCB Debentures I</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other Debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;21,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has three trusts, Guaranty (TX) Capital Trust II (&#147;Trust II&#148;), Guaranty (TX) Capital
Trust III (&#147;Trust III&#148;), and DCB Trust I (&#147;Trust II&#148;, &#147;Trust III&#148; and together with DCB Trust I, the &#147;Trusts&#148;). Upon formation, the Trusts issued pass-through securities (&#147;TruPS&#148;) with a liquidation
value of $1,000 per share to third parties in private placements. Concurrently with the issuance of the TruPS, the Trusts issued common securities to the Company. The Trusts invested the proceeds of the sales of securities to the Company
(&#147;Debentures&#148;). The Debentures mature approximately 30 years after the formation date, which may be shortened if certain conditions are met (including the Company having received prior approval of the Federal Reserve and any other required
regulatory approvals). </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trust II</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:33.70pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Trust III</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:50.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DCB Trust I</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Formation date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Oct&nbsp;30,&nbsp;2002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Jul&nbsp;25,&nbsp;2006</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">Mar&nbsp;29,&nbsp;2007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Capital trust pass-through securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Number of shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Original liquidation value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Common securities liquidation value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The securities held by the Trusts can qualify as Tier I capital for the Company under Federal Reserve Board
guidelines. The Federal Reserve&#146;s guidelines restrict core capital elements (including trust preferred securities and qualifying perpetual preferred stock) to 25% of all core capital elements, net of goodwill less any associated deferred tax
liability. Because the Company&#146;s aggregate amount of trust preferred securities is less than the limit of 25% of Tier I capital, net of goodwill, the full amount is includable in Tier I capital at December&nbsp;31, 2016 and 2015. Additionally,
the terms provide that trust preferred securities would no longer qualify for Tier I capital within five years of their maturity, but would be included as Tier 2 capital. However, the trust preferred securities would be amortized out of Tier 2
capital by <FONT STYLE="white-space:nowrap">one-fifth</FONT> each year and excluded from Tier 2 capital completely during the year prior to maturity of the junior subordinated debentures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">With certain exceptions, the amount of the principal and any accrued and unpaid interest on the Debentures are subordinated in right of
payment to the prior payment in full of all senior indebtedness of the Company. The terms of the Debentures are such that they qualify as Tier 1 capital under the Federal Reserve&#146;s regulatory capital guidelines applicable to bank holding
companies. Interest on the Debentures are payable quarterly. The interest is </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-43 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 10 - SUBORDINATED
DEBENTURES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
deferrable on a cumulative basis for up to five consecutive years following a suspension of dividend payments on all other capital stock. No principal payments are due until maturity for each of
the Debentures. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:54.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Debentures&nbsp;II</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:58.15pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Debentures&nbsp;III</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:74.45pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DCB&nbsp;Debentures&nbsp;I</P></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Original amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">$3,093</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,062</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">$5,155</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Maturity date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">Oct&nbsp;30,&nbsp;2032</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">Oct&nbsp;1,&nbsp;2036</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">Jun&nbsp;15,&nbsp;2037</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest due</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Quarterly</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Quarterly</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Quarterly</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In accordance with ASC 810, &#147;<I>Consolidation,</I>&#148; the junior subordinated debentures issued by the
Company to the subsidiary trusts are shown as liabilities in the consolidated balance sheets and interest expense associated with the junior subordinated debentures is shown in the consolidated statements of earnings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Debentures II</U>: Interest is payable at a variable rate per annum, reset quarterly, equal to 3 month LIBOR plus 3.35%, thereafter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On any interest payment date on or after October&nbsp;30, 2012 and prior to maturity date, the Debentures II are redeemable for cash at the
option of the Company, on at least 30, but not more than 60 days notice, in whole or in part, at a redemption price equal to 100% of the principal amount to be redeemed, plus accrued interest to the date of redemption. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Debentures III</U>: Interest was payable at a fixed rate per annum equal to 7.43% until October&nbsp;1, 2016 and is a variable rate per
annum, reset quarterly, equal to 3 month LIBOR plus 1.67%, thereafter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Debentures III are redeemable for cash at the option of the
Company, on at least 30 days notice, in whole or in part, at the set redemption prices, varying based on redemption date, plus accrued interest. The redemption price is equal to 100.00% of the principal amount if redeemed during the 12 months
beginning October&nbsp;1, 2016 or after. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>DCB Debentures I</U>: Interest is payable at a variable rate per annum, reset quarterly,
equal to 3 month LIBOR plus 1.80%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On any interest payment date on or after June&nbsp;15, 2012 and prior to maturity date, the DCB
Debentures I are redeemable for cash at the option of the Company, on at least 30, but not more than 60 days notice, in whole or in part, at a redemption price equal to 100% of the principal amount to be redeemed, plus accrued interest to the date
of redemption. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Other Debentures</U>: In April 2013, the Company issued $4,000 in debentures, of which $1,000 were issued to directors
and other related parties. During the years ended December&nbsp;31, 2015 and 2016, $2,000 of the debentures matured each year. The debentures were issued at par value of $500 each with rates ranging from 2.00% to 3.50% and maturity dates from
April&nbsp;1, 2015 to October&nbsp;1, 2016. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-44 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 10 - SUBORDINATED
DEBENTURES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In July 2015, the Company issued $4,000 in debentures, of which $3,000 were issued to
directors and other related parties, which will mature in 2017, 2018, and 2019. At the Company&#146;s option, and with 30 days advanced notice to the holder, the entire principal amount and all accrued interest may be paid to the holder on or before
the due date of any debenture. The redemption price is equal to 100% of the face amount of the debenture redeemed, plus all accrued interest. The debentures were issued at par value of $500 each with rates ranging from 2.50% to 4.00% and maturity
dates from July&nbsp;1, 2017 to January&nbsp;1, 2019. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In December 2015, the Company issued $5,000 in debentures, of which $2,500 were
issued to directors and other related parties, which will mature in 2018, 2019, and 2020. At the Company&#146;s option, and with 30 days advanced notice to the holder, the entire principal amount and all accrued interest may be paid to the holder on
or before the due date of any debenture. The redemption price is equal to 100% of the face amount of the debenture redeemed, plus all accrued interest. The debentures were issued at par value of $500 each with rates ranging from 3.00% to 5.00% and
maturity dates from July&nbsp;1, 2018 to July&nbsp;1, 2020. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Maturities of subordinated debentures based on scheduled repayments at
December&nbsp;31, 2016 are as follows (in thousands of dollars): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:103.65pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Year Ended December&nbsp;31</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Amount</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 11 - STOCK OPTIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s 2015 Equity Incentive Plan (&#147;Stock Option Plan&#148; or the &#147;Plan&#148;) executed April&nbsp;15, 2015, which is
shareholder-approved, amended the 2014 Stock Share Option Plan (&#147;Original Plan&#148;). The Plan permits the grant of share options to its employees for up to 1,000,000 shares of common stock. Option awards are generally granted with an exercise
price equal to the market price of the Company&#146;s common stock at the date of grant; those option awards have vesting periods ranging from 5 to 10 years and have <FONT STYLE="white-space:nowrap">10-year</FONT> contractual terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the
assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company&#146;s common stock and similar peer group averages. The Company uses historical data to estimate option exercise and post-vesting
termination behavior. The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes in to account that the options are not transferable. The
risk-free interest rate for the expected term of the option is based on U.S. Treasury yield curve in effect at the time of the grant. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-45 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 11 - STOCK OPTIONS</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The fair value of options granted was determined using the following weighted-average
assumptions as of grant date, for the years ended December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Risk-free interest rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Expected term (in years)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Expected stock price volatility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Dividend yield</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.13</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A summary of activity in the Plan during the year ended December&nbsp;31 follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>2016</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Number<BR>&nbsp;&nbsp;of&nbsp;Shares&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Weighted-Average&nbsp;&nbsp;</FONT><BR>Exercise Price</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="white-space:nowrap">Weighted-Average</FONT><BR>Remaining<BR>Contractual<BR>&nbsp;&nbsp;Life&nbsp;in Years&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Aggregate<BR>Intrinsic<BR>Value</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">314,391</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,014</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,500</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">340,377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Exercisable at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,677</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>2015</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Number<BR>&nbsp;&nbsp;of&nbsp;Shares&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Weighted-Average&nbsp;&nbsp;</FONT><BR>Exercise Price</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="white-space:nowrap">Weighted-Average</FONT><BR>Remaining<BR>Contractual<BR>&nbsp;&nbsp;Life&nbsp;in Years&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Aggregate<BR>Intrinsic<BR>Value</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,500</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">314,391</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Exercisable at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,191</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-46 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 11 - STOCK OPTIONS</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A summary of nonvested activity in the Plan during the year ended December&nbsp;31 follows:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>2016</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Number<BR>&nbsp;&nbsp;of&nbsp;Shares&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Weighted-Average&nbsp;&nbsp;</FONT><BR>Exercise Price</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="white-space:nowrap">Weighted-Average</FONT><BR>Remaining<BR>Contractual<BR>&nbsp;&nbsp;Life&nbsp;in Years&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Aggregate<BR>Intrinsic<BR>Value</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">267,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Vested</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(47,700</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18,300</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">250,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><U>2015</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Number<BR>&nbsp;&nbsp;of&nbsp;Shares&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Weighted-Average&nbsp;&nbsp;</FONT><BR>Exercise Price</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="white-space:nowrap">Weighted-Average</FONT><BR>Remaining<BR>Contractual<BR>&nbsp;&nbsp;Life&nbsp;in Years&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Aggregate<BR>Intrinsic<BR>Value</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Vested</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(47,191</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,500</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">267,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Information related to the Plan during the year ended December&nbsp;31, 2016 follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Intrinsic value of options exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash received from options exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Tax benefit realized from options exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Weighted average fair value of options granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016, there was $1,016 of total unrecognized compensation cost related to nonvested
stock options granted under the Plan. The cost is expected to be recognized over a weighted-average period of 5.50 years. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company
granted options under the 2015 Stock Option Plan in 2016. Expense of $211 and $237 was recorded during the years ended December&nbsp;31, 2016 and 2015, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 12 - STOCK APPRECIATION RIGHTS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The
Guaranty Bancshares, Inc. Fair Market Value Stock Appreciation Rights Plan provides eligible employees the opportunity to share in the growth of the Company. This <FONT STYLE="white-space:nowrap">non-funded</FONT> plan provides for annual
participant </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-47 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 12 - STOCK APPRECIATION
RIGHTS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
awards at the Company&#146;s sole discretion, with vesting to occur as defined in the individual award agreements. Vested stock appreciation rights (&#147;SARs&#148;) will be paid in a single <FONT
STYLE="white-space:nowrap">lump-sum</FONT> cash payment. The stock price, as valued by an external third party, is used to value the SARs. The valuation of the stock price is the same stock price used for the stock option plan and KSOP. There were
no SARs granted in 2016 and 2015. The Company&#146;s liability for outstanding SARs of $563 and $509 at December&nbsp;31, 2016 and December&nbsp;31, 2015, respectively, is reflected in accrued interest and other liabilities in the accompanying
consolidated balance sheets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Additional information regarding SARs as of December&nbsp;31, 2016 is presented in the following table: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="17%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="17%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="17%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.60pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Exercise<BR>&nbsp;&nbsp;&nbsp;Price&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:47.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Rights<BR>&nbsp;&nbsp;&nbsp;Granted&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Rights<BR>&nbsp;&nbsp;&nbsp;Vested&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:48.95pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Weighted-<BR>Average<BR>Vested<BR>&nbsp;Percentage&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">$7.62&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.03&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.08&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">13.50&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">17.00&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">18.00&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">19.50&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">21.00&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">21.50&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="right">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 13 - EMPLOYEE BENEFITS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>KSOP</U>: The Company maintains an Employee Stock Ownership Plan containing Section 401(k) provisions covering substantially all employees
(&#147;KSOP&#148;). The plan provides for a matching contribution of up to 5% of a participant&#146;s qualified compensation starting January&nbsp;1, 2016. The plan includes a put option which is a right to demand that the sponsor redeem shares of
employer stock held by the participant, for which there is no market, with an established cash price. Total contributions accrued or paid during the years ended December&nbsp;31, 2016 and 2015 totaled $935 and $824, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Benefits under the KSOP generally are distributed to participants in the form of cash. In addition, until the Company&#146;s common stock is
actively traded on an established securities market, the participant may demand (in accordance with the terms of the KSOP and applicable law) that the Company repurchase any shares of common stock distributed to the participant at the estimated fair
value. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The fair value of shares of common stock, held by the KSOP, are deducted from permanent shareholders&#146; equity in the
consolidated balance sheets, and reflected in a line item below liabilities and above shareholders&#146; equity. This presentation is necessary in order to recognize the put option within the KSOP-owned shares, consistent </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-48 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 13 - EMPLOYEE
BENEFITS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
with SEC guidelines, that is present as long as the Company is not publicly traded. The Company uses a valuation by an external third party to determine the maximum possible cash obligation
related to those securities. The valuation is the same that is used for the stock option plan and stock appreciation rights plan. Increases or decreases in the value of the cash obligation are included in a separate line item in the statements of
changes in shareholders&#146; equity. The fair value of allocated and unallocated shares subject to this repurchase obligation totaled $31,661 and $35,384 at December&nbsp;31, 2016 and 2015,. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016 and 2015, the number of shares held by the KSOP was 1,319,225 and 1,538,443, respectively. Of these shares, there
were 50,000 shares and zero shares unallocated to plan participants as of December&nbsp;31, 2016 and 2015, respectively.&nbsp;In 2016 and 2015, the Company did not repurchase any shares from KSOP participants that received distributions and
exercised the put option described above.&nbsp;All shares held by the KSOP were treated as outstanding at each of the respective period ends.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Supplemental Retirement Plan</U>: The Company maintains a <FONT STYLE="white-space:nowrap">non-qualified,</FONT> <FONT
STYLE="white-space:nowrap">non-contributory</FONT> supplemental retirement plan. The plan covers a retired officer to provide benefits equal to amounts payable under the Company&#146;s retirement plan and certain social security benefits to
aggregate a predetermined percentage of the officer&#146;s final five-year average salary. The plan is <FONT STYLE="white-space:nowrap">non-funded.</FONT> Amounts expensed during the years ended December&nbsp;31, 2016 and 2015 totaled $1 and $4
respectively, and is included in employee compensation and benefits on the statements of earnings. The recorded obligation was approximately $5 and $27 as of December&nbsp;31, 2016 and 2015, respectively and is included in accrued interest and other
liabilities on the consolidated balance sheets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Salary Continuation Plan</U>: The Company maintains a
<FONT STYLE="white-space:nowrap">non-qualified,</FONT> <FONT STYLE="white-space:nowrap">non-contributory</FONT> salary continuation plan. The plan covers an executive officer to provide benefits equal to an amount which represents approximately 75%
of compensation at retirement as adjusted for amounts payable under the Company&#146;s retirement plan and certain social security benefits. This plan is <FONT STYLE="white-space:nowrap">non-funded.</FONT> Payments began in 2006 and are scheduled
over ten years. The Company made our last payment December 2015. There was no salary continuation plan liability held by the Company as of December&nbsp;31, 2016 and 2015. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Executive Incentive Retirement Plan</U>: The Company established a <FONT STYLE="white-space:nowrap">non-qualified,</FONT> <FONT
STYLE="white-space:nowrap">non-contributory</FONT> executive incentive retirement plan covering a selected group of key personnel to provide benefits equal to amounts computed under an &#147;award criteria&#148; at various targeted salary levels as
adjusted for annual earnings performance of the Company. The plan is <FONT STYLE="white-space:nowrap">non-funded.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In connection
with the Salary Continuation Plan and the Executive Incentive Retirement Plan, the Company has purchased life insurance policies on the respective officers. The cash surrender value of life insurance policies held by the Company totaled $17,804 and
$16,783 as of December&nbsp;31, 2016 and 2015, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Expense related to these plans totaled $390 and $303 for the years ended
December&nbsp;31, 2016 and 2015, respectively, and is included in employee compensation and benefits on the consolidated statements of earnings. The recorded liability totaled approximately $2,002 and $1,663 as of December&nbsp;31, 2016 and 2015,
respectively and is included in accrued interest and other liabilities on the consolidated balance sheets. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-49 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 13 - EMPLOYEE
BENEFITS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Bonus Plan</U>: The Company has a Bonus Plan that rewards officers and employees based on
performance of individual business units of the Company. Earnings and growth performance goals for each business unit and for the Company as a whole are established at the beginning of the calendar year and approved annually by the board of
directors. The Bonus Plan provides for a predetermined bonus amount to be contributed to the employee bonus pool based on (i)&nbsp;earnings target and growth for individual business units and (ii)&nbsp;achieving certain <FONT
STYLE="white-space:nowrap">pre-tax</FONT> return on average equity and <FONT STYLE="white-space:nowrap">pre-tax</FONT> return on average asset levels for the Company as a whole. These bonus amounts are established annually by our board of directors.
The bonus expense under this plan for the years ended December&nbsp;31, 2016 and 2015 totaled $2,069 and $1,828, respectively and is included in employee compensation and benefits on the consolidated statements of earnings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 14 - INCOME TAXES </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management of
the Company considers the likelihood of changes by taxing authorities in its filed income tax returns and discloses potential significant changes that management believes are more likely than not to occur upon examination by tax authorities.
Management has not identified any uncertain tax positions </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">in previously filed income tax returns that require disclosure in the
accompanying consolidated financial statements. The Company is subject to U.S. federal income taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The consolidated provision for
income taxes were as follows as of December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Current federal tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,045</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,551</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred federal tax (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,330</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,189</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;4,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;4,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The provision for federal income taxes differs from that computed by applying federal
statutory rates to income before federal income tax expense, as indicated in the following analysis as of December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Federal statutory income tax at 35%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Tax exempt interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,428</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(818</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Earnings bank owned life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(128</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(147</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Non deductible expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">320</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(59</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;4,715</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;4,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-50 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 14 - INCOME TAXES</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The components of the deferred tax assets (liabilities), in the accompanying consolidated
balance sheets consisted of the following as of December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred tax assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">582</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Unrealized loss on
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">available-for-sale</FONT></FONT> securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Stock appreciation rights</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Non accrual loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Basis in securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total deferred tax assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,099</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred tax liabilities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,447</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,619</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Deferred loan costs, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(388</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(451</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Intangibles</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(299</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(407</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(73</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(55</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total deferred tax liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,207</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,532</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net deferred tax asset</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,892</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 15 - NONINTEREST INCOME AND NONINTEREST EXPENSE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other operating income consisted of the following for the years ended December 31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Fiduciary income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Bank-owned life insurance income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Merchant and debit card fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,741</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Loan processing fee income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,769</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,860</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-51 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 15 - NONINTEREST INCOME AND NONINTEREST
EXPENSE</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other operating expense consisted of the following for the years ended December 31: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Legal and professional fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,935</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Software support fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Director and committee fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Advertising and promotions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">ATM and debit card expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">933</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Office and computer supplies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">495</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Postage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Telecommunication expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">FDIC insurance assessment fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other real estate owned expenses and write-downs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,488</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,586</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 16 - DERIVATIVE FINANCIAL INSTRUMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company utilizes certain derivative financial instruments. Stand-alone derivative financial instruments such as interest rate swaps, are
used to economically hedge interest rate risk related to the Company&#146;s liabilities. These derivative instruments involve both credit and market risk. The notional amounts are amounts on which calculations, payments, and the value of the
derivative are based. Notional amounts do not represent direct credit exposures. Direct credit exposure is limited to the net difference between the calculated amounts to be received and paid, if any. Such difference, which represents the fair value
of the derivative instruments, is reflected on the Company&#146;s consolidated balance sheet in other liabilities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company is exposed
to credit related losses in the event of nonperformance by the counterparties to those agreements. The Company controls the credit risk of its financial contracts through credit approvals, limits and monitoring procedures, and does not expect any
counterparties to fail their obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company entered into interest rate swaps to receive payments at a fixed rate in exchange
for paying a floating rate on the debentures discussed in Note 10. Management believes that entering into the interest rate swaps exposed the Company to variability in their fair value due to changes in the level of interest rates. It is the
Company&#146;s objective to hedge the change in fair value of floating rate debentures at coverage levels that are appropriate, given anticipated or existing interest rate levels and other market considerations, as well as the relationship of change
in this liability to other liabilities of the Company. To meet this objective, the Company utilizes interest rate swaps as an asset/liability management strategy to hedge the change in value of the cash flows due to changes in expected interest rate
assumptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Interest rate swaps with notional amounts totaling $5,000 as of December&nbsp;31, 2016 and 2015, were designated as cash
flow hedges of the debentures and were determined to be fully effective during all periods presented. As </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-52 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 16 - DERIVATIVE FINANCIAL
INSTRUMENTS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
such, no amount of ineffectiveness has been included in net income. Therefore, the aggregate fair value of the swaps is recorded in accrued interest and other liabilities within the consolidated
balance sheets with changes in fair value recorded in other comprehensive income. The amount included in accumulated other comprehensive income would be reclassified to current earnings should the hedges no longer be considered effective. The
Company expects the hedges to remain fully effective during the remaining terms of the swaps. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The information pertaining to outstanding
interest rate swap agreements used to hedge floating rate debentures was as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="4" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:78.65pt; font-size:10pt; font-family:Times New Roman">December&nbsp;31,&nbsp;2016</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Notional</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:32.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Pay&nbsp;Rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:53.10pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Receive Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:58.15pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Effective Date</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:33.65pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Maturity<BR>in&nbsp;Years</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">$2,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.979</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">3&nbsp;month&nbsp;LIBOR&nbsp;plus&nbsp;1.67%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">October&nbsp;1, 2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">$3,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.505</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">3&nbsp;month&nbsp;LIBOR&nbsp;plus&nbsp;3.35%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">October&nbsp;30,&nbsp;2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">353</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="4" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:78.65pt; font-size:10pt; font-family:Times New Roman">December&nbsp;31,&nbsp;2015</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:32.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Notional<BR>Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:35.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Pay&nbsp;Rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:53.10pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Receive Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:58.15pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Effective Date</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:33.65pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Maturity<BR>in&nbsp;Years</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">$2,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.979</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">3 month LIBOR plus 1.67%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">October&nbsp;1, 2016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">$3,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.505</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">3 month LIBOR plus 3.35%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">October&nbsp;30, 2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">433</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Interest expense recorded on these swap transactions totaled $882 and $603 during the years ended
December&nbsp;31, 2016 and 2015, respectively, and is reported as a component of interest expense on the debentures. At December&nbsp;31, 2016, the Company expected none of the unrealized loss to be reclassified as a reduction of interest expense
during the remainder of 2017. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 17 - COMMITMENTS AND CONTINGENCIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the normal course of business, the Company enters into various transactions, which, in accordance with accounting principles generally
accepted in the United States of America, are not included in the consolidated balance sheets. These transactions are referred to as <FONT STYLE="white-space:nowrap">&#147;off-balance</FONT> sheet commitments.&#148; The Company enters into these
transactions to meet the financing needs of its customers. These transactions include commitments to extend credit and letters of credit, which involve elements of credit risk in excess of the amounts recognized in the consolidated balance sheets.
The Company minimizes its exposure to loss under these commitments by subjecting them to credit approval and monitoring procedures. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The
Company enters into contractual commitments to extend credit, normally with fixed expiration dates or termination clauses, at specified rates and for specific purposes. Customers use credit commitments to ensure that funds will be available for
working capital purposes, for capital expenditures and to ensure access to funds at specified terms and conditions. Substantially all of the Company&#146;s commitments to extend credit are contingent upon customers maintaining specific credit
standards at the time of loan funding. Management assesses the credit </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-53 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 17 - COMMITMENTS AND
CONTINGENCIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
risk associated with certain commitments to extend credit in determining the level of the allowance for credit losses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Letters of credit are written conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The
Company&#146;s policies generally require that letters of credit arrangements contain security and debt covenants similar to those contained in loan agreements. In the event the customer does not perform in accordance with the terms of the agreement
with the third party, the Company would be required to fund the commitment. The maximum potential amount of future payments the Company could be required to make is represented by the contractual amount shown in the table below. If the commitment
were funded, the Company would be entitled to seek recovery from the </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">customer. As of December&nbsp;31, 2016 and 2015, no amounts have been
recorded as liabilities for the Bank&#146;s potential obligations under these guarantees. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commitments and letters of credit outstanding
were as follows as of December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Contract or</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:70.35pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Notional Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Commitments to extend credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">297,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">205,919</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Letters of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,879</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Litigation </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company is involved in certain claims and lawsuits occurring in the normal course of business. Management, after consultation with legal
counsel, does not believe that the outcome of these actions, if determined adversely, would have a material impact on the consolidated financial statements of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Operating Leases </U></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company leases some
of its banking facilities under <FONT STYLE="white-space:nowrap">non-cancelable</FONT> operating leases expiring in various years through 2023.&nbsp;Minimum future lease payments under these <FONT STYLE="white-space:nowrap">non-cancelable</FONT>
operating leases in excess of one year as of December&nbsp;31, 2016, are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:112.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;Year ended December
31&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;Amount&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">396</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">266</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">2021</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-54 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 17 - COMMITMENTS AND
CONTINGENCIES</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Rental expense for the years ended December&nbsp;31, 2016 and 2015 was approximately $717 and
$474 respectively, and is included in other expenses in the accompanying consolidated statement of income. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Certain of the operating
leases above provide for renewal options at their fair value at the time of renewal.&nbsp;In the normal course of business, operating leases are generally renewed or replaced by other leases. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 18 - REGULATORY MATTERS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under
banking law, there are legal restrictions limiting the amount of dividends the Company can declare. Approval of the regulatory authorities is required if the effect of the dividends declared would cause regulatory capital of the Company to fall
below specified minimum levels. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company on a consolidated basis and the Bank are subject to various regulatory capital requirements
administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the
Company&#146;s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#146;s assets,
liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The Company&#146;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk
weightings, and other factors. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-55 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 18 - REGULATORY
MATTERS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A comparison of the Company&#146;s and Bank&#146;s actual capital amounts and ratios to
required capital amounts and ratios is presented in the following table: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:64.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actual&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:59.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Minimum&nbsp;Required<BR>For
Capital<BR>Adequacy<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purposes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:82.75pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">To Be Well<BR>Capitalized
Under<BR>Prompt Corrective<BR>&nbsp;&nbsp;&nbsp;&nbsp;Action&nbsp;Provisions&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:29.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:19.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:29.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:19.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:29.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:19.50pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman"><U>December&nbsp;31, 2016</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total capital to risk-weighted assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;149,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">173,528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109,947</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">137,434</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to risk-weighted assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109,947</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to average assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,560</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,381</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Common equity tier 1 risk-based capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman"><U>December&nbsp;31, 2015</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Total capital to risk-weighted assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">143,742</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">95,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118,870</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to risk-weighted assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,480</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,416</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Tier 1 capital to average assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134,480</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.95</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80,696</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Common equity tier 1 risk-based capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Consolidated</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.33em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,266</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In July 2013, the Federal Reserve published final rules for the adoption of the Basel III regulatory capital
framework (the &#147;Basel III Capital Rules&#148;). The Basel III Capital Rules, among other things, (i)&nbsp;introduce a new capital measure called &#147;Common Equity Tier I&#148; (&#147;CETI&#148;), (ii) specify that Tier I capital consist of
Common Equity Tier I and &#147;Additional Tier I Capital&#148; instruments meeting specified requirements, (iii)&nbsp;define Common Equity Tier I narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to Common
Equity Tier I and not to the other components of capital and (iv)&nbsp;expand the scope of the deductions/adjustments as compared to existing regulations. The Basel III Capital Rules became effective for the Company on January&nbsp;1, 2015, with
certain transition provisions to be fully phased in by January&nbsp;1, 2019. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-56 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 18 - REGULATORY
MATTERS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Starting in January 2016, the implantation of the capital conservation buffer will be
effective for the Company starting at the 0.625% level and increasing 0.625% each year thereafter, until it reaches 2.5% on January&nbsp;1, 2019. The capital conservation buffer is designed to absorb losses during periods of economic stress and
effectively increases the minimum required risk-weighted capital ratios. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Quantitative measures established by regulation to ensure
capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, CETI and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), ad of Tier I capital (as defined) to
average assets (as defined). Management believes, as of December&nbsp;31, 2016 and December&nbsp;31, 2015 that the Bank met all capital adequacy requirements to which it was subject. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2016 and December&nbsp;31, 2015, the Company&#146;s capital ratios exceeded those levels necessary to be categorized
as &#147;well capitalized&#148; under the regulatory framework for prompt corrective action. To be categorized as &#147;well capitalized&#148;, the Company must maintain minimum total risk-based, CETI, Tier 1 risk-based and Tier I leverage ratios as
set forth in the table. There are no conditions or events since December&nbsp;31, 2016 that management believes have changed the Company&#146;s category. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Federal Reserve&#146;s guidelines regarding the capital treatment of trust preferred securities limits restricted core capital elements
(including trust preferred securities and qualifying perpetual preferred stock) to 25% of all core capital elements, net of goodwill less any associated deferred tax liability. Because the Company&#146;s aggregate amount of trust preferred
securities is less than the limit of 25% of Tier I capital, net of goodwill, the rules permit the inclusion of $10,310 of trust preferred securities in Tier I<B> </B>capital at December&nbsp;31, 2016 and 2015. Additionally, the rules provide that
trust preferred securities would no longer qualify for Tier I capital within five years of their maturity, but would be included as Tier 2 capital. However, the trust preferred securities would be amortized out of Tier 2 capital by <FONT
STYLE="white-space:nowrap">one-fifth</FONT> each year and excluded from Tier 2 capital completely during the year prior to maturity of the subordinated debentures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Dividends paid by the Company are mainly provided by dividends from its subsidiaries. However, certain restrictions exist regarding the
ability of its bank subsidiary to transfer funds to the Company in the form of cash dividends, loans or advances. These guidelines do not currently restrict the Bank from paying normal dividends to the Company. The amount of dividends that a
subsidiary bank may declare in a calendar year is the subsidiary bank&#146;s net profits for that year combined with its retained net profits for the preceding two years. Retained net profits, as defined by the OCC, consist of net income less
dividends declared during the period. As of December&nbsp;31, 2016, the Bank had $10,975 available for payment of dividends. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 19 - CONCENTRATIONS
OF CREDIT RISK </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Most of the Company&#146;s business activity is with customers located within the state. Investments in state and
municipal securities involve governmental entities within the Company&#146;s market area. The Company also maintains deposits with other financial institutions in amounts that exceed FDIC insurance coverage. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has not experienced any losses in such accounts and believes it is not exposed to any significant credit risk on cash and cash
equivalents. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-57 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 20 - SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Securities sold under agreements to repurchase are secured by collateralized mortgage obligations securities with a carrying amount of $11,033
as of December&nbsp;31, 2016 and collateralized mortgage obligations and agency securities with a carrying amount of $12,993 as of December&nbsp;31, 2015, respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Securities sold under agreements to repurchase are financing arrangements that mature within two years. At maturity, the securities underlying
the agreements are returned to the Company. Information concerning securities sold under agreements to repurchase is summarized as follows as of December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Average balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Average interest rate during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.53</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Maximum <FONT STYLE="white-space:nowrap">month-end</FONT> balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate at <FONT STYLE="white-space:nowrap">year-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 21 - RELATED PARTIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As more fully described in Note 4, Note 8 and Note 10, the company has entered into loans, deposits and debentures transactions with related
parties. Management believes the transactions entered into with related parties are in the ordinary course of business and are on terms similar to transitions with unaffiliated parties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Fair value is the
exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.
There are three levels of inputs that may be used to measure fair values: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:3%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Level&nbsp;1 &#150; Quoted prices (unadjusted)
for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:3%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Level&nbsp;2 &#150; Significant other observable inputs other than Level&nbsp;1 prices such as quoted prices for similar
assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:3%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Level&nbsp;3 &#150; Significant unobservable inputs that reflect a company&#146;s own assumptions about the assumptions that
market participants would use in pricing an asset or liability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company used the following methods and significant assumptions to
estimate fair value: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Marketable Securities</U>: The fair values for marketable securities are determined by quoted market prices, if
available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not
available, fair values are calculated using discounted cash flows or other market indicators (Level 3). </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-58 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Loans Held For Sale:</U> Loans held for sale are carried at the lower of cost or fair
value, which is evaluated on a pool-level basis. The fair value of loans held for sale is determined using quoted prices for similar assets, adjusted for specific attributes of that loan or other observable market data, such as outstanding
commitments from third party investors (Level 2). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Derivative Instruments</U>: The fair values of derivatives are based on valuation
models using observable market data as of the measurement date (Level 2). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Impaired Loans</U>: The fair value of impaired loans with
specific allocations of the allowance for loan losses is generally based on the present value of estimated future cash flows using the loan&#146;s existing rate or, if repayment is expected solely from the collateral, the fair value of collateral,
less costs to sell, is determined using recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant (Level <FONT STYLE="white-space:nowrap">3).&nbsp;Non-real</FONT> estate
collateral may be valued using an appraisal, net book value per the borrower&#146;s financial statements, or aging reports, adjusted or discounted based on management&#146;s historical knowledge, changes in market conditions from the time of the
valuation, and management&#146;s expertise and knowledge of the client and client&#146;s business (Level 3).&nbsp;Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Other Real Estate Owned</U>: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell
when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently
than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to
adjust for differences between the comparable sales and income data available. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly (Level 3). </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-59 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes quantitative disclosures about the fair value measurements for
each category of financial assets (liabilities) carried at fair value as of December&nbsp;31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair&nbsp;Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Quoted&nbsp;Prices&nbsp;in</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Active&nbsp;Markets&nbsp;for</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Identical Assets</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 1)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Significant&nbsp;Other</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Observable</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Inputs</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 2)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Significant&nbsp;Other</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unobservable</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Inputs</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 3)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Assets (liabilities) at fair value on a recurring basis:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,690</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,690</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,883</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,883</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Derivative instruments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(695</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(695</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Assets at fair value on a nonrecurring basis:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,065</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,065</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman">2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair&nbsp;Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Quoted&nbsp;Prices&nbsp;in</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Active&nbsp;Markets&nbsp;for</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Identical Assets</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 1)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Significant&nbsp;Other</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Observable</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Inputs</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 2)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Significant&nbsp;Other</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unobservable</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Inputs</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00px solid #000000; width:37.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Level 3)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Assets (liabilities) at fair value on a recurring basis:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">107,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">107,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Municipal securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">U.S. treasury securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Derivative instruments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(775</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(775</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Assets at fair value on a nonrecurring basis:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,555</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,555</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,693</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,693</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no transfers between Level&nbsp;2 and Level&nbsp;3 during 2016 or 2015. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Nonfinancial Assets and Nonfinancial Liabilities</U>: Nonfinancial assets measured at fair value on a nonrecurring basis during the years
ended December&nbsp;31, 2016&nbsp;and 2015 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a <FONT STYLE="white-space:nowrap">charge-off</FONT> to the allowance for loan losses
and </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-60 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in current earnings. The fair value of a foreclosed asset is
estimated using Level&nbsp;2 inputs based on observable market data or Level&nbsp;3 inputs based on customized discounting criteria. The following table presents foreclosed assets that were remeasured and recorded at fair value as of December 31:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Foreclosed assets remeasured at initial recognition:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Carrying value of foreclosed assets prior to remeasurement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Charge-offs recognized in the allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(124</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.70em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Fair value of foreclosed assets remeasured at initial recognition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Foreclosed assets remeasured subsequent to initial recognition:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Carrying value of foreclosed assets prior to remeasurement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.80em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Write-downs included in collection and other real estate owned expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(69</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(102</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.70em; text-indent:-0.90em; font-size:10pt; font-family:Times New Roman">Fair value of foreclosed assets remeasured subsequent to initial recognition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents quantitative information about nonrecurring Level&nbsp;3 fair value measurements
at: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="21%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="21%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:52.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Valuation<BR>Technique(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:89.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unobservable Input(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Range<BR>(Weighted<BR>Average)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman"><U>December&nbsp;31, 2016</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$</TD>
<TD VALIGN="top" ALIGN="right">6,065</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:-0.56em; text-indent:0.56em; font-size:9pt; font-family:Times New Roman">Fair value of collateral- sales comparison approach</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Selling costs or other normal adjustments: Real estate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">10%-20%&nbsp;(16%)</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Equipment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">40%-50%</FONT> (42%)</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Other real estate<BR>owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$</TD>
<TD VALIGN="top" ALIGN="right">1,692</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:-0.56em; text-indent:0.56em; font-size:9pt; font-family:Times New Roman">Appraisal value of collateral</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Selling costs or other normal adjustments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10%-20%</FONT> (16%)</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:42.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fair&nbsp;Value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:52.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Valuation<BR>Technique(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:89.85pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unobservable Input(s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:37.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Range<BR>(Weighted<BR>Average)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman"><U>December&nbsp;31, 2015</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$</TD>
<TD VALIGN="top" ALIGN="right">5,555</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:-0.56em; text-indent:0.56em; font-size:9pt; font-family:Times New Roman">Fair value of collateral- sales comparison approach</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Selling costs or other normal adjustments: Real estate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">10%-20%</FONT> (16%)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Equipment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">40%-50%</FONT> (49%)</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$</TD>
<TD VALIGN="top" ALIGN="right">1,693</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:-0.56em; text-indent:0.56em; font-size:9pt; font-family:Times New Roman">Appraisal value of collateral</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Selling costs or other normal adjustments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10%-20%</FONT> (16%)</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-61 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The carrying amounts and estimated fair values of financial instruments, not previously in
this note, at December&nbsp;31, 2016 and 2015 are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Fair Value Measurements at<br>December&nbsp;31, 2016&nbsp;Using:</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:63.75pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Carrying&nbsp;Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Financial assets</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Cash, due from banks, federal funds sold and interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">100,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Marketable securities held to maturity</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Loans, net</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,233,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,235,306</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,235,306</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Accrued interest receivable</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Nonmarketable equity securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Cash surrender value of life insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Financial liabilities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Deposits</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,576,791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,234,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">342,615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,577,490</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Securities sold under repurchase agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Accrued interest payable</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Other debt</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Federal Home Loan Bank advances</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top">Subordinated debentures</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,809</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Fair Value Measurements at<br>December&nbsp;31, 2015 Using:</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:63.75pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Carrying&nbsp;Amount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:27.25pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Level&nbsp;3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Financial assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Cash, due from banks, federal funds sold and interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">85,924</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">111,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Marketable securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,059,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,060,954</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,060,954</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Accrued interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Nonmarketable equity securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,876</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,876</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,876</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Financial liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,466,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,109,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;357,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,466,958</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Securities sold under repurchase agreements</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Accrued interest payable</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Other debt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.67em; text-indent:-0.67em; font-size:9pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,644</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,644</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The methods and assumptions, not previously presented, used to estimate fair values are described as follows:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Cash and Cash Equivalents</U>: The carrying amounts of cash and short-term instruments approximate fair values (Level 1). </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-62 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 22 - FAIR VALUE</B>&nbsp;(Continued)<B>
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Loans, net</U>: The fair value of fixed-rate loans and variable-rate loans that reprice on
an infrequent basis is estimated by discounting future cash flows using the current interest rates at which similar loans with similar terms would be made to borrowers of similar credit quality (Level 3). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Cash Surrender Value of Life Insurance</U>: The carrying amounts of bank-owned life insurance approximate their fair value. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Nonmarketable Equity Securities</U>: It is not practical to determine the fair value of Independent Bankers Financial Corporation, Federal
Home Loan Bank, Federal Reserve Bank and other stock due to restrictions placed on its transferability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Deposits and Securities Sold
Under Repurchase Agreements</U>: The fair values disclosed for demand deposits (e.g., interest and <FONT STYLE="white-space:nowrap">non-interest</FONT> checking, passbook savings, and certain types of money market accounts) are, by definition, equal
to the amount payable on demand at the reporting date (i.e., their carrying amount) (Level 1). The fair values of deposit liabilities with defined maturities are estimated by discounting future cash flows using interest rates currently offered for
deposits of similar remaining maturities (Level 2). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Other Borrowings</U>: The fair value of borrowings, consisting of lines of credit,
Federal Home Loan Bank advances and Subordinated debentures is estimated by discounting future cash flows using currently available rates for similar financing (Level 2). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U>Accrued Interest Receivable/Payable</U>: The carrying amounts of accrued interest approximate their fair values (Level 2). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><U><FONT STYLE="white-space:nowrap">Off-balance</FONT> Sheet Instruments</U>: Fair values for
<FONT STYLE="white-space:nowrap">off-balance</FONT> sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the
counterparties&#146; credit standing. The fair value of commitments is not material. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-63 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 23 - ACCUMULATED OTHER COMPREHENSIVE LOSS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following are changes in accumulated other comprehensive loss by component, net of tax, for the year ending December&nbsp;31, 2016: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gains
and<BR>(Losses)&nbsp;on<BR>Cash Flow<BR>Hedges</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Gains
and<BR>(Losses)&nbsp;on<BR>Available<BR>for Sale<BR>Securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Gains
and<BR>(Losses)&nbsp;on<BR>Held to<BR>Maturity<BR>Securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:21.15pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(775</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5,212</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(586</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(6,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other comprehensive income (loss) before reclassification</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(54</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amounts reclassified from accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net current period other comprehensive income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(107</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(695</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5,319</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(473</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(6,487</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following are significant amounts reclassified out of each component of accumulated other comprehensive
loss for the year ending December&nbsp;31, 2016: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="38%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Details about</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Amount</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Affected Line Item</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Accumulated Other</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Reclassified From</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">in the Statement</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Comprehensive</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Accumulated Other</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Where Net</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:72.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Loss Components</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:84.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Comprehensive&nbsp;Loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:86.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Earnings is Presented</P></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Unrealized gain on available for&nbsp;sale&nbsp;securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(82)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Net realized gain on sale of securities&nbsp;transactions</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Tax benefit</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(53)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Net of Tax</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-64 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 23 - ACCUMULATED OTHER COMPREHENSIVE
LOSS</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following are changes in accumulated other comprehensive loss by component, net of tax,
for the year ending December&nbsp;31, 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:30.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Gains
and<BR>(Losses)&nbsp;on<BR>Cash Flow<BR>Hedges</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Gains
and<BR>(Losses)&nbsp;on<BR>Available<BR>for Sale<BR>Securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:39.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Unrealized<BR>Gains
and<BR>(Losses)&nbsp;on<BR>Held to<BR>Maturity<BR>Securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(733</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(4,413</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(678</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5,824</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other comprehensive (loss) income before reclassification</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(42</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(749</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(699</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Amounts reclassified from accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net current period other comprehensive (loss) income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(42</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(799</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(749</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(775</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5,212</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(586</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(6,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following are significant amounts reclassified out of each component of accumulated other comprehensive
loss for the year ending December&nbsp;31, 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="39%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Details about</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Amount</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Affected Line Item</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Accumulated&nbsp;Other</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Reclassified&nbsp;From</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">in the Statement</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Comprehensive</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Accumulated&nbsp;Other</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Where Net</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:72.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Loss Components</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:84.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Comprehensive&nbsp;Loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00px solid #000000; width:86.25pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Earnings&nbsp;is&nbsp;Presented</P></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Unrealized gain on available for sale securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$&nbsp;&nbsp;&nbsp;&nbsp;(77</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Net realized gain on sale of securities transactions</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Tax benefit</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">$&nbsp;&nbsp;&nbsp;&nbsp;(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Net of Tax</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 24 - EARNINGS PER SHARE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Basic earnings per share is computed by dividing net earnings available to common shareholders by the weighted-average common shares
outstanding for the period. Diluted earnings per share reflects the maximum potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock and would then share in the net
earnings of the Company. Dilutive share equivalents include stock-based awards issued to employees. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-65 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 24 - EARNINGS PER
SHARE</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Stock options granted by the Company are treated as potential shares in computing earnings
per share. Diluted shares outstanding include the dilutive effect of <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">in-the-money</FONT></FONT> awards which is calculated based on the average share price for each fiscal period
using the treasury stock method. Under the treasury stock method, the amount that the employee must pay for exercising stock options, the amount of compensation cost for future service that the Company has not yet recognized, and the amount of tax
impact that would be recorded in additional <FONT STYLE="white-space:nowrap">paid-in</FONT> capital when the award becomes deductible are assumed to be used to repurchase shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The computations of basic and diluted earnings per share for the Company were as follows (in thousands except per share amounts) as of
December 31: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Numerator:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings (basic)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings (diluted)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Denominator:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Weighted-average shares outstanding (basic)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,968,262</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,796,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Effect of dilutive securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Common stock equivalent shares from stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,958</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Weighted-average shares outstanding (diluted)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,976,328</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,801,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-66 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 25 - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Condensed financial information of Guaranty Bancshares, Inc. follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">ASSETS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,645</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Investment in banking subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174,948</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,781</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,347</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">LIABILITIES AND EQUITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37,596</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Accrued expenses and other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">895</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,679</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">KSOP-owned shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Dividends from Guaranty Bank&nbsp;&amp; Trust</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,003</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,045</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Other expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,811</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,823</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income before income tax and equity in undistributed income of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income tax benefit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">850</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Income before equity in undistributed earnings of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Equity in undistributed earnings (loss) of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,025</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,886</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Continued) </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-67 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY BANCSHARES, INC. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Dollars in thousands, except per share data) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NOTE 25 - PARENT COMPANY ONLY CONDENSED FINANCIAL
INFORMATION</B>&nbsp;(Continued)<B> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00px solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Adjustments:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Distributions in excess of (equity in undistributed) subsidiary earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,025</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Stock based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Change in other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(646</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Change in other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(227</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(95</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Acquisition of DCB Financial Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,329</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Acquisition of Texas Leadership Bank of Royce City</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,771</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.00em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Investment in Guaranty Bank&nbsp;&amp; Trust</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash used in investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(19,100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Cash flows from financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Proceeds of borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Repayments of borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,714</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Sale of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,266</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Purchase of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,218</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,568</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Sale of treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Exercise of stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.40em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Dividends paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,615</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,526</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:6.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net cash provided by (used in) financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,954</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Net change in cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Beginning cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">865</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.60em; text-indent:-0.60em; font-size:10pt; font-family:Times New Roman">Ending cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,645</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-68 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>2,000,000 Shares </B></P>
<P STYLE="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g814489g89p54.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:9pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Guaranty Bancshares, Inc. </B></P>
<P STYLE="margin-top:36pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Common Stock </B></P> <P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center> <P STYLE="margin-top:30pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>PROSPECTUS
</B></P> <P STYLE="font-size:30pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:31%">&nbsp;</P></center>
<P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:16pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:16pt">
<TD VALIGN="top"><B>Sandler O&#146;Neill + Partners, L.P.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><B>Stephens Inc.</B></TD></TR>
</TABLE>  <P STYLE="margin-top:42pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The date of this prospectus is
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2017 </B></P>
<P STYLE="margin-top:42pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B>Through and including
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2017 (25 days after the date of this prospectus), all dealers that buy, sell or trade our common stock, whether or not
participating in this offering, may be required to deliver a prospectus. This delivery requirement is in addition to the obligation of dealers to deliver a prospectus when acting as underwriters and with respect to their unsold allotments or
subscriptions. </B></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART II </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><B>ITEM&nbsp;13.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION. </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Estimated expenses, other than
underwriting discounts and commissions, of the sale of the registrant&#146;s common stock, $1.00 par value, are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SEC registration fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FINRA filing fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NASDAQ listing fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transfer agent and registrar fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Printing fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">158,213</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Legal fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">890,191</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Underwriter expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">175,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounting expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">427,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">100,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,798,259</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>  <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><B>ITEM&nbsp;14.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INDEMNIFICATION OF DIRECTORS AND OFFICERS. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Texas Business Organizations Code, or
TBOC, permits a Texas corporation to limit in its charter the liability of the corporation&#146;s directors to the corporation or its shareholders for conduct in the performance of such director&#146;s duties. However, Texas law does not permit any
limitation of liability of a director who is found liable to the corporation or is found liable because the director improperly received a personal benefit for: (1)&nbsp;breaching a duty of loyalty owed to the corporation; (2)&nbsp;failing to act in
good faith that constitutes a breach of a duty owed by the person to the corporation; or (3)&nbsp;engaging in willful or intentional misconduct in the performance of a director&#146;s duty to the corporation. The registrant&#146;s amended and
restated certificate of formation provides that a director of the registrant will not be liable to the registrant or its shareholders to the fullest extent permitted by Texas law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Sections 8.101 and 8.103 of the TBOC provide that a Texas corporation may indemnify a person who was, is, or is threatened to be a named
defendant or respondent in a proceeding because the person is or was a director only if a determination is made that such indemnification is permissible under the TBOC: (1)&nbsp;by a majority vote of the directors who at the time of the vote are
disinterested and independent, regardless of whether such directors constitute a quorum; (2)&nbsp;by a majority vote of a board committee designated by a majority of disinterested and independent directors and consisting solely of disinterested and
independent directors; (3)&nbsp;by special legal counsel selected by the board of directors or a committee of the board of directors as set forth in (1)&nbsp;or (2); (4)&nbsp;by the shareholders in a vote that excludes the shares held by directors
who are not disinterested and independent; or, (5)&nbsp;by unanimous vote of the shareholders. The power to indemnify applies only if such person acted in good faith and, in the case of conduct in the person&#146;s official capacity as a director,
in a manner he reasonably believed to be in the best interest of the corporation, and, in all other cases, that the person&#146;s conduct was not opposed to the best interest of the corporation, and with respect to any criminal action or proceeding,
that such person had no reasonable cause to believe his conduct was unlawful. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.104 of the TBOC provides that a Texas
corporation may pay or reimburse, in advance of the final disposition of the proceeding, reasonable expenses incurred by a present director who was, is, or is threatened to be made a named defendant or respondent in a proceeding after the
corporation receives a written affirmation by the director of his good faith belief that he has met the standard of conduct necessary for indemnification under Section&nbsp;8.101 of the TBOC and a written undertaking by or on behalf of the director
to repay the amount paid or reimbursed if it is ultimately determined that he has not met that standard or if it is ultimately determined that indemnification of the director is not otherwise permitted under the TBOC. Section&nbsp;8.105 of the TBOC
also provides that reasonable expenses incurred by a former director or officer, or a </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
present or former employee or agent of the corporation, who was, is, or is threatened to be made a named defendant or respondent in a proceeding may be paid or reimbursed by the corporation, in
advance of the final disposition of the action, as the corporation considers appropriate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.105 of the TBOC provides that a
corporation may indemnify and advance expenses to a person who is not a director, including an officer, employee, or agent of the corporation as provided by: (1)&nbsp;the corporation&#146;s governing documents; (2)&nbsp;an action by the
corporation&#146;s governing authority; (3)&nbsp;resolution by the shareholders; (4)&nbsp;contract; or (5)&nbsp;common law. As consistent with Section&nbsp;8.105 of the TBOC, a corporation may indemnify and advance expenses to persons who are not
directors to the same extent that a corporation may indemnify and advance expenses to directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The registrant&#146;s amended and
restated certificate of formation provides that, to the fullest extent and under the circumstances permitted by Chapter 8 of the TBOC, (1)&nbsp;the registrant must indemnify and advance expenses to directors and officers, and (2)&nbsp;the registrant
may purchase and maintain insurance on behalf of our directors and officers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The registrant also maintains directors&#146; and
officers&#146; liability insurance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The form of Underwriting Agreement to be filed as Exhibit 1.1 hereto obligates the underwriters to
indemnify our directors, officers and controlling persons under limited circumstances against certain liabilities under the Securities Act. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><B>ITEM&nbsp;15.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>RECENT SALES OF UNREGISTERED SECURITIES. </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Within the past three years,
we have engaged in the following transactions that were not registered under the Securities Act: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Between January&nbsp;1, 2014 and the filing of this registration statement, and after giving effect to the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">2-for-1</FONT></FONT> stock split we completed
on August&nbsp;20, 2014, we sold 352,500 shares of our common stock to our KSOP for aggregate consideration of approximately $7.9&nbsp;million. No commission was paid in respect of the offer and sale of these securities. The offers and sales of
these securities were made in reliance upon exemptions from federal securities registration provided by Rule 701 of the Securities Act for offers and sales of securities pursuant to compensatory benefit plans. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Prior to 2015, we conducted certain limited sales of our common stock to purchasers who are residents of the state of Texas in private transactions. Between January&nbsp;1, 2014 and December&nbsp;31, 2014, and after
giving effect to the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">2-for-1</FONT></FONT> stock split we completed on August&nbsp;20, 2014, we sold 352,252 shares of our common stock for aggregate consideration of approximately
$7.2&nbsp;million pursuant to these limited offerings. No commission was paid in respect of the offer and sale of these securities. The offer and sale of these securities were made in reliance upon exemptions from federal securities registration
under Section&nbsp;3(a)(11) of the Securities Act and SEC Rule 147 relating to intrastate offerings. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">In March 2015, we completed a private offering of 315,922 shares of our common stock to certain &#147;accredited investors,&#148; as defined in SEC Rule 501(a) of Regulation D, for aggregate consideration of
approximately $7.3&nbsp;million. No commission was paid in respect of the offer and sale of these securities. The offer and sale of these securities were made in reliance upon exemptions from federal securities registration under Section 4(a)(2) of
the Securities Act and SEC Rule 506(b). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">In March 2015, we issued an aggregate of 923,133 shares of our common stock to the former shareholders of DCB
Financial Corp. that were &#147;accredited investors,&#148; as defined in SEC Rule 501(a) of Regulation D, as part of the consideration for our acquisition of DCB Financial Corp. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="15%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">
No commission was paid in respect of the issuance of these securities. The offer and sale of these securities were made in reliance upon exemptions from federal securities registration under
Section 4(a)(2) of the Securities Act and SEC Rule 506(b). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">In April 2015, we issued an aggregate of 280,160 shares of our common stock to the former shareholders of Texas Leadership Bank that were &#147;accredited investors,&#148; as defined in SEC Rule 501(a) of Regulation D,
as part of the consideration for our acquisition of Texas Leadership Bank. No commission was paid in respect of the issuance of these securities. The offer and sale of these securities were made in reliance upon exemptions from federal securities
registration under Section 4(a)(2) of the Securities Act and SEC Rule 506(b). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">On July&nbsp;1, 2015, we sold $4.0&nbsp;million in aggregate principal amount of unsecured redeemable <FONT STYLE="white-space:nowrap">non-convertible</FONT> debentures, for aggregate consideration of $4.0 million, to
four purchasers who were &#147;accredited investors,&#148; as defined in SEC Rule 501(a) of Regulation D. No commission was paid in respect of the offer and sale of these securities. The offer and sale of these securities were made in reliance upon
exemptions from federal securities registration under Section 4(a)(2) of the Securities Act and SEC Rule 506(b). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">On December&nbsp;1, 2015, we sold $5.0&nbsp;million in aggregate principal amount of unsecured redeemable <FONT STYLE="white-space:nowrap">non-convertible</FONT> debentures, for aggregate consideration of $5.0 million
to seven purchasers who were &#147;accredited investors,&#148; as defined in SEC Rule 501(a) of Regulation D. No commission was paid in respect of the offer and sale of these securities. The offer and sale of these securities were made in reliance
upon exemptions from federal securities registration under Section 4(a)(2) of the Securities Act and SEC Rule 506(b). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">In March 2016, we sold 356,552 shares of common stock to existing shareholders of Guaranty Bancshares, Inc. for aggregate consideration of approximately $8.6&nbsp;million. No commission was paid in respect of the offer
and sale of these securities. The offer and sale of these securities were made in reliance upon exemptions from federal securities registration under Section 4(a)(2) of the Securities Act and SEC Rule 506(b). </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%">&nbsp;</TD>
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">We periodically issue grants of certain equity based awards to our executive officers and other key employees. Between January&nbsp;1, 2014 and the filing of this registration statement, and after giving effect to the
2-for-1 stock split we completed on August&nbsp;20, 2014, we (1)&nbsp;issued an aggregate of 5,024 shares of common stock upon the exercise of stock options with an exercise price of $11.94, with aggregate proceeds to the registrant of $59,987, and
(2)&nbsp;granted options to purchase an aggregate of 363,014 shares of our common stock weighted average exercise price of $23.76 per share, 32,014 of which have been forfeited as of the date of this registration statement. The offers and sales of
these securities were made in reliance upon exemptions from federal securities registration provided by Rule 701 of the Securities Act for offers and sales of securities pursuant to compensatory benefit plans. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><B>ITEM&nbsp;16.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EXHIBITS AND FINANCIAL STATEMENT SCHEDULES. </B></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">Exhibits: The list of exhibits set forth under &#147;Exhibit Index&#148; at the end of this registration statement is incorporated herein by reference. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Financial Statement Schedules: None. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><B>ITEM&nbsp;17.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>UNDERTAKINGS. </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The undersigned registrant hereby undertakes to provide to the
underwriters at the closing specified in the underwriting agreement certificates in such denominations and registered in such names as required by the underwriters to permit prompt delivery to each purchaser. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to
directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that, in the opinion of the Securities and Exchange Commission, such indemnification is against public
policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or
controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the
opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The registrant hereby further undertakes that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of determining any liability under the Securities Act, the information omitted
from the form of prospectus filed as part of this Registration Statement in reliance upon Rule&nbsp;430A and contained in a form of prospectus filed by the Registrant pursuant to Rule&nbsp;424(b)(1) or (4)&nbsp;or 497(h) under the Securities Act
shall be deemed to be part of this Registration Statement as of the time it was declared effective; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of determining any liability under the Securities Act, each post-effective
amendment that contains a form of prospectus shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering
thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on its
behalf by the undersigned, thereunto duly authorized in Mount Pleasant, Texas, on the 1<SUP STYLE="font-size:85%; vertical-align:top">st</SUP> day of May, 2017. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>GUARANTY BANCSHARES, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Tyson T. Abston</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;Tyson T. Abston</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;Chairman and Chief Executive Officer</TD></TR>
</TABLE></DIV>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been
signed by the following persons in the capacities and on the dates indicated below. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:41.70pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:20.05pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="3" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Chairman of the Board, Chief Executive</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Officer and Director</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal
Executive Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="2" ALIGN="center">May 1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tyson T. Abston</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Clifton A. Payne</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="3" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Senior Executive Vice President, Chief Financial</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Officer and Director</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal
Financial and Accounting Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="2" ALIGN="center">May 1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Clifton A. Payne</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="29"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">By:&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May 1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Richard W. Baker</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">James S. Bunch</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Johnny O. Conroy</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bradley K. Drake</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:41.70pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:20.05pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:20.00pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Christopher B. Elliott</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Carl Johnson, Jr.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Weldon C. Miller</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">William D. Priefert</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">May&nbsp;1,&nbsp;2017</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Arthur B. Scharlach, Jr.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="2"></TD>
<TD HEIGHT="32" COLSPAN="4"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">*&nbsp;&nbsp;By:&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Tyson T. Abston</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Attorney-in-Fact</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD WIDTH="86%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"><B>&nbsp;NUMBER</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>DESCRIPTION</B></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;1.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;2.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Agreement and Plan of Reorganization, dated December&nbsp;23, 2014, by and among Guaranty Bancshares, Inc., TLB Interim Bank and Texas Leadership Bank*&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;2.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Agreement and Plan of Reorganization, dated January&nbsp;6, 2015, by and among Guaranty Bancshares, Inc., <FONT STYLE="white-space:nowrap">GBI-DCB</FONT> Acquisition Corporation and DCB Financial Corp.*&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;3.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amended and Restated Certificate of Formation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amended and Restated Bylaws&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;4.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Specimen common stock certificate&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The other instruments defining the rights of the long-term debt securities of the Registrant and its subsidiaries are omitted pursuant to section (b)(4)(iii)(A) of Item 601 of Regulation <FONT STYLE="white-space:nowrap">S-K.</FONT>
The Registrant hereby agrees to furnish copies of these instruments to the SEC upon request.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">&nbsp;&nbsp;5.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Opinion of Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Guaranty Bancshares, Inc. 2015 Equity Incentive Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Restricted Stock Award Agreement under the Guaranty Bancshares, Inc. 2015 Equity Incentive Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Restricted Stock Unit Award Agreement under the Guaranty Bancshares, Inc. 2015 Equity Incentive Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Stock Option Award Agreement under the Guaranty Bancshares, Inc. 2015 Equity Incentive Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Stock Appreciation Right Award Agreement under the Guaranty Bancshares, Inc. 2015 Equity Incentive Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Guaranty Bancshares, Inc. Employee Stock Ownership Plan With 401(k) Provisions, effective January&nbsp;1, 2011, as amended&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.7</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Description of Guaranty Bancshares, Inc. Supplemental Retirement Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.8</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Description of Guaranty Bancshares, Inc. Executive Incentive Retirement Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.9</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Salary Continuation Agreement, dated August&nbsp;18, 1998, by and between Guaranty Bank&nbsp;&amp; Trust and Arthur B. Scharlach, Jr., as amended on December&nbsp;1, 2005 and on April&nbsp;6, 2007&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.10</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">DCB Financial Corp. Stock Option Plan, dated December&nbsp;1, 2003, as amended&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.11</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Stock Option Agreement under the DCB Financial Corp. Stock Option Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Guaranty Bancshares, Inc. Fair Market Value Stock Appreciation Rights Plan, effective January&nbsp;1, 2008&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.13</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Award Agreement under the Guaranty Bancshares, Inc. Fair Market Value Stock Appreciation Rights Plan&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Revolving Promissory Note, dated March 31, 2017, by Guaranty Bancshares, Inc. payable to Frost Bank in the original principal amount of $25,000,000&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.15</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Loan Agreement, dated March 31, 2017, by and between Guaranty Bancshares, Inc. and Frost Bank&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">10.16</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Debenture issued by Guaranty Bancshares, Inc. in July 2015 and December 2015&#094;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD WIDTH="86%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"><B>&nbsp;NUMBER</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>DESCRIPTION</B></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">21.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subsidiaries of Guaranty Bancshares, Inc.&#094;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">23.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP (contained in Exhibit 5.1)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">23.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Whitley Penn LLP</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">24.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Powers of attorney&#094;</TD></TR>
</TABLE>  <P STYLE="font-size:36pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Schedules and similar attachments have been omitted pursuant to Item 601(b)(2) of Regulation <FONT STYLE="white-space:nowrap">S-K.</FONT> The registrant will furnish supplementally a copy of any omitted schedules or
similar attachment to the SEC upon request. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="7%" VALIGN="top" ALIGN="left">&#094;</TD>
<TD ALIGN="left" VALIGN="top">Previously filed. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-8 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>d814489dex11.htm
<DESCRIPTION>EX-1.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-1.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 1.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GUARANTY BANCSHARES, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[&#9679;]<B> Shares of Common Stock</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(par value $1.00 per share) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>UNDERWRITING AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>[</B>&#9679;<B></B><B>], 2017 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SANDLER
O&#146;NEILL + PARTNERS, L.P. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;as Representative of the several Underwriters </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1251 Avenue of the Americas, 6th Floor </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10020
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares,
Inc., a Texas corporation (the &#147;<U>Company</U>&#148;), confirms its agreement with Sandler O&#146;Neill + Partners, L.P. (&#147;<U>Sandler</U>&#148;) and each of the other Underwriters named in Schedule A hereto (collectively, the
&#147;Underwriters&#148;, which term shall also include any underwriter substituted as hereinafter provided in Section&nbsp;10 hereof), for whom Sandler is acting as representative (in such capacity, the &#147;<U>Representative</U>&#148;), with
respect to (i)&nbsp;the sale by the Company and the purchase by the Underwriters, acting severally and not jointly, of an aggregate of [&#9679;] shares of Common Stock, par value $1.00 per share, of the Company (&#147;<U>Common Stock</U>&#148;), in
the respective amounts set forth in Schedules&nbsp;A and B hereto and (ii)&nbsp;the grant by the Company<B> </B>to the Underwriters, acting severally and not jointly, of the option described in Section&nbsp;2(b) hereof to purchase all or any part of
[&#9679;] additional shares of Common Stock in the respective amounts set forth in Schedule B hereto. The aforesaid [&#9679;] shares of Common Stock (the &#147;<U>Initial Securities</U>&#148;) to be purchased by the Underwriters and all or any part
of the [&#9679;] shares of Common Stock subject to the option described in Section 2(b) hereof (the &#147;<U>Option Securities</U>&#148;) are hereinafter called, collectively, the &#147;<U>Securities</U>.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company understands that the Underwriters propose to make a public offering of the Securities as soon as the Representative deems
advisable after this Underwriting Agreement has been executed and delivered. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company and the Underwriters agree that up to [&#9679;]
shares of the Securities to be purchased by the Underwriters (the &#147;<U>Reserved Securities</U>&#148;) shall be reserved for sale by the Underwriters to certain eligible directors, officers, employees, business associates and related persons (the
&#147;<U>Invitees</U>&#148;), as part of the distribution of the Securities by the Underwriters, subject to the terms of this Underwriting Agreement, the applicable rules, regulations and interpretations of the Financial Industry Regulatory
Authority, Inc. (&#147;<U>FINRA</U>&#148;) and all other applicable laws, </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
rules and regulations. To the extent that such Reserved Securities are not orally confirmed for purchase by the Invitees by the end of the first business day after the date of this Underwriting
Agreement, such Reserved Securities may be offered to the public as part of the public offering contemplated hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has
filed with the Securities and Exchange Commission (the &#147;<U>Commission</U>&#148;) a registration statement on <FONT STYLE="white-space:nowrap">Form&nbsp;S-1</FONT> (No. <FONT STYLE="white-space:nowrap">333-217176),</FONT> including the related
preliminary prospectus or prospectus covering the registration of the Securities under the Securities Act of 1933, as amended (the &#147;<U>1933 Act</U>&#148;). Promptly after execution and delivery of this Underwriting Agreement, the Company will
prepare and file a prospectus in accordance with the provisions of Rule 430A (&#147;<U>Rule 430A</U>&#148;) of the rules and regulations of the Commission under the 1933 Act (the &#147;1933 Act Regulations&#148;) and paragraph (b)&nbsp;of Rule 424
(&#147;<U>Rule 424(b)</U>&#148;) of the 1933 Act Regulations. The information included in such prospectus that was omitted from such registration statement at the time it became effective but that is deemed to be part of such registration statement
at the time it became effective pursuant to paragraph (b)&nbsp;of Rule 430A is referred to as &#147;<U>Rule 430A Information</U>.&#148; Each prospectus used in connection with the offer of Securities before such registration statement became
effective, and any prospectus that omitted the Rule 430A Information that was used in connection with the offer of Securities after such effectiveness and prior to the execution and delivery of this Underwriting Agreement, is herein called a
&#147;preliminary prospectus.&#148; Such registration statement, including the amendments thereto, and the exhibits and any schedules thereto, if any, at the time it became effective and including the Rule 430A Information is herein called the
&#147;<U>Registration Statement</U>.&#148; Any registration statement filed pursuant to Rule 462(b) of the 1933 Act Regulations is herein referred to as the &#147;<U>Rule 462(b) Registration Statement</U>,&#148; and after such filing the term
&#147;Registration Statement&#148; shall include the Rule 462(b) Registration Statement. The final prospectus in the form first used by the Underwriters to confirm sales of the Securities or in the form first made available to the Underwriters by
the Company to meet requests of purchasers pursuant to Rule 173 under the 1933 Act is herein called the &#147;<U>Prospectus</U>.&#148; For purposes of this Underwriting Agreement, all references to the Registration Statement, any preliminary
prospectus, the Prospectus or any amendment or supplement to any of the foregoing shall be deemed to include the copy filed with the Commission pursuant to its Electronic Data Gathering, Analysis and Retrieval system (&#147;<U>EDGAR</U>&#148;). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this Underwriting Agreement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<I>Applicable Time</I>&#148; means [&#9679;] [a/p]m (Eastern time) on [&#9679;] or such other time as agreed by the Company and the
Representative. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<I>General Disclosure Package</I>&#148; means the Issuer-Represented General Free Writing Prospectus(es) (as
defined below) issued at or prior to the Applicable Time and the preliminary prospectus relating to the Securities dated [&#9679;], all considered together. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<I>Issuer-Represented Free Writing Prospectus</I>&#148; means any &#147;issuer free writing prospectus,&#148; as defined in Rule 433 of
the 1933 Act Regulations (&#147;<U>Rule 433</U>&#148;), relating to the Securities that (i)&nbsp;is required to be filed with the Commission by the Company or (ii)&nbsp;is exempt from filing pursuant to Rule 433(d)(5)(i) because it contains a
description of the Securities or of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the offering that does not reflect the final terms, in each case in the form filed or required to be filed with the Commission or, if not required to be filed, in the form retained in the
Company&#146;s records pursuant to Rule 433(g) under the Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<I>Issuer-Represented General Free Writing Prospectus</I>&#148; means
any Issuer-Represented Free Writing Prospectus that is intended for general distribution to prospective investors, as evidenced by its being specified in Schedule C hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<I>Issuer-Represented Limited Use Free Writing Prospectus</I>&#148; means any Issuer-Represented Free Writing Prospectus that is not an
Issuer-Represented General Free Writing Prospectus. The term Issuer Represented Limited Use Free Writing Prospectus also includes any &#147;bona fide electronic road show&#148; as defined in Rule 433, that is made available without restriction
pursuant to Rule 433(d)(8)(ii), even though not required to be filed with the Commission. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties and Agreements</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Representations and
Warranties by the Company.</I> The Company represents and warrants to each Underwriter as of the date hereof, as of the Closing Time referred to in Section 2(c) hereof, and as of each Date of Delivery (if any) referred to in Section 2(b) hereof, and
agrees with each Underwriter, as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Registration Requirements</U>. (A)&nbsp;At the
time of filing the Registration Statement, any 462(b) Registration Statement and any post-effective amendments thereto, and (B)&nbsp;at the date hereof, the Company was not an &#147;ineligible issuer&#148; as defined in Rule 405 of the 1933 Act
Regulations (&#147;<U>Rule 405</U>&#148;). Each of the Registration Statement and any Rule 462(b) Registration Statement and any post-effective amendments thereto has become effective under the 1933 Act and no stop order suspending the effectiveness
of the Registration Statement or any Rule 462(b) Registration Statement and any post-effective amendments thereto has been issued under the 1933 Act and no proceedings for that purpose have been instituted or are pending or, to the knowledge of the
Company, are contemplated by the Commission, and any request on the part of the Commission for additional information has been complied with. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">At the respective times the Registration Statement, any Rule 462(b) Registration Statement and any post-effective amendments thereto became
effective and at the Closing Time (and, if any Option Securities are purchased, at each Date of Delivery), the Registration Statement, the Rule 462(b) Registration Statement and any amendments and supplements thereto complied and will comply in all
material respects with the requirements of the 1933 Act and the 1933 Act Regulations and did not and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the
statements therein not misleading, and the Prospectus, any preliminary prospectus and any supplement thereto or prospectus wrapper prepared in connection therewith, at their respective times of issuance and at the Closing Time, complied and will
comply in all material respects with any applicable laws or regulations of foreign jurisdictions in which the Prospectus and such preliminary prospectus, as amended or supplemented, if applicable, are distributed in connection with the offer and
sale of Reserved Securities. Neither the General Disclosure Package as of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Applicable Time, nor the Prospectus nor any amendments or supplements thereto (including any prospectus wrapper) at the time the Prospectus as of its date or any such amendment or supplement was
issued and at the Closing Time (and, if any Option Securities are purchased, at the Date of Delivery), included or will include an untrue statement of a material fact or omitted or will omit to state a material fact necessary in order to make the
statements therein, in the light of the circumstances under which they were made, not misleading. The representations and warranties in this paragraph shall not apply to statements in or omissions from the Registration Statement, any preliminary
prospectus or the Prospectus made in reliance upon and in conformity with written information furnished to the Company by any Underwriter through the Representative expressly for use therein, it being understood and agreed that the only written
information that the Underwriters have furnished to the Company specifically for inclusion in the Registration Statement, any preliminary prospectus and the Prospectus (or any amendment or supplement thereto) are the concession and reallowance
figures appearing in the Prospectus in the section entitled &#147;Underwriting&#148; and the information contained under the captions &#147;Underwriting &#150; Stabilization&#148; and &#147;Underwriting &#150; Passive Market Making,&#148; (such
information being referred to herein as the &#147;<U>Underwriter Information</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">Each preliminary prospectus and the prospectus
filed as part of the Registration Statement as originally filed or as part of any amendment thereto, or filed pursuant to Rule 424 under the 1933 Act, complied when so filed in all material respects with the 1933 Act and the 1933 Act Regulations and
each preliminary prospectus and the Prospectus delivered to the Underwriters for use in connection with this offering was identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent
permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">As of the Applicable Time, neither (x)&nbsp;the General Disclosure
Package nor (y)&nbsp;any individual Issuer-Represented Limited Use Free Writing Prospectus, when considered together with the General Disclosure Package, included any untrue statement of a material fact or omitted to state any material fact
necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. The representations and warranties in this paragraph shall not apply to statements in or omissions from the General
Disclosure Package or any Issuer-Represented Limited Use Free Writing Prospectus made in reliance upon and in conformity with the Underwriter Information. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Issuer-Represented Free Writing Prospectuses</U>. Each Issuer-Represented Free Writing Prospectus, as of its
issue date and at all subsequent times through the completion of the public offer and sale of the Securities or until any earlier date that the issuer notified or notifies the Representative as described in the next sentence, did not, does not and
will not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading and did not, does not and will not include
any information that conflicted, conflicts or will conflict with the information contained in the Registration Statement, the General Disclosure Package or the Prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Emerging Growth Company</U>. From the time of the initial confidential submission of the Registration
Statement to the Commission (or, if earlier, the first date on which the Company engaged directly or through any person authorized to act on its behalf in any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication (as defined below)) through the date hereof, the Company has been and is an
&#147;emerging growth company&#148;, as defined in Section 2(a) of the 1933 Act (an &#147;<U>Emerging Growth Company</U>&#148;). <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">&#147;Testing-the-Waters</FONT></FONT>
Communication&#148; means any oral or written communication with potential investors undertaken in reliance on Section 5(d) of the 1933 Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;<U><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT>
Communications</U>. The Company (i)&nbsp;has not alone engaged in any <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications other than <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications with the consent of the Representative and with entities that are either (1)&nbsp;qualified institutional buyers within the meaning of Rule 144A under the 1933 Act or
(2)&nbsp;institutions that are accredited investors within the meaning of Rule 501 under the 1933 Act and (ii)&nbsp;has not authorized anyone other than the Representative to engage in
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications. The Company reconfirms that the Representative has been authorized to act on its behalf in undertaking
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications. The Company has not distributed or approved for distribution any Written <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications (defined below) other than those listed on Schedule C hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication&#148; means any
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication that is a written communication within the meaning of Rule 405 under the 1933 Act. Any individual Written
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication does not conflict with the information contained in the Registration Statement, the General Disclosure Package or the Prospectus,
complied in all material respects with the 1933 Act and the 1933 Act Regulations, and when taken together with the General Disclosure Package, as of the Applicable Time did not, and as of the Closing Time and as of each Date of Delivery (if any), as
the case may be, will not, contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. The
representations and warranties in this paragraph shall not apply to statements in or omissions from any Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication made in reliance upon
and in conformity with the Underwriter Information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;<U>Independent Accountants</U>. Whitley Penn LLP
(&#147;<U>Whitley Penn</U>&#148;), the accounting firm that certified the financial statements and supporting schedules of the Company included in the Registration Statement, the General Disclosure Package and the Prospectus, is an independent
registered public accounting firm as required by the 1933 Act and the 1933 Act Regulations. Whitley Penn is a registered public accounting firm, as defined by the Public Company Accounting Oversight Board, whose registration has not been suspended
or revoked and who has not requested such registration to be withdrawn. With respect to the Company, Whitley Penn is not and has not been in violation of the auditor independence requirements of the Sarbanes-Oxley Act of 2002
(&#147;<U>Sarbanes-Oxley Act</U>&#148;) and the related rules and regulations of the Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial
Statements</U>. The financial statements included in the Registration Statement, the General Disclosure Package and the Prospectus, together with the related schedules and notes, present fairly the financial position of the Company and its
consolidated subsidiaries as of and at the dates indicated and the statement of operations, shareholders&#146; equity and cash flows of the Company and its consolidated subsidiaries for the periods specified; said financial statements have been
prepared in conformity with generally accepted accounting principles in the United States (&#147;<U>GAAP</U>&#148;) applied on a consistent basis </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
throughout the periods involved. The supporting schedules, if any, included in the Registration Statement, the General Disclosure Package and the Prospectus present fairly in accordance with GAAP
the information required to be stated therein. The selected financial data, the summary financial information and the capitalization information included in the Registration Statement, the General Disclosure Package and the Prospectus present fairly
the information shown therein and have been compiled on a basis consistent with that of the audited financial statements included in the Registration Statement, the General Disclosure Package and the Prospectus and the books and records of the
Company. No other financial statements or supporting schedules are required to be included in the Registration Statement, the General Disclosure Package or the Prospectus. To the extent applicable, all disclosures contained in the Registration
Statement, the General Disclosure Package, any Issuer-Represented Free Writing Prospectus, any Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication or the Prospectus regarding <FONT
STYLE="white-space:nowrap">&#147;non-GAAP</FONT> financial measures&#148; (as such term is defined by the rules and regulations of the Commission) comply with Regulation G of the Securities Exchange Act of 1934, as amended (the &#147;<U>1934
Act</U>&#148;), the rules and regulations of the 1934 Act (the &#147;<U>1934 Act Regulations</U>&#148;) and Item 10 of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> under the 1933 Act, as applicable. The pro forma financial statements and
the related notes thereto included in the Registration Statement, the General Disclosure Package and the Prospectus present fairly the information shown therein, have been prepared in accordance with the Commission&#146;s rules and guidelines with
respect to pro forma financial statements and have been properly compiled on the bases described therein, and the assumptions used in the preparation thereof are reasonable and the adjustments used therein are appropriate to give effect to the
transactions and circumstances referred to therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Material Adverse Change in Business</U>. Since the
respective dates as of which information is given in the Registration Statement, the General Disclosure Package and the Prospectus, except as otherwise stated therein, (A)&nbsp;there has been no material change in the capital stock or long term debt
of the Company or any of its subsidiaries or any material adverse change in the condition, financial or otherwise, or in the earnings, business affairs, properties, assets or business prospects of the Company and its subsidiaries considered as one
enterprise, whether or not arising in the ordinary course of business (a &#147;<U>Material Adverse Effect</U>&#148;), (B)&nbsp;there have been no transactions entered into by the Company or any of its subsidiaries, other than those in the ordinary
course of business, which are material with respect to the Company and its subsidiaries considered as one enterprise, and (C)&nbsp;except for (1)&nbsp;regular semi-annual dividends on the Common Stock in amounts per share that are consistent with
past practice,<B> </B>and (2)&nbsp;regular quarterly dividends on the trust preferred securities, there has been no dividend or distribution of any kind declared, paid or made by the Company on any class of its capital stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Good Standing of the Company</U>. The Company is a registered bank holding company under the Bank Holding
Company Act of 1956, as amended, and has been duly organized and is validly existing as a Texas corporation in good standing under the laws of the State of Texas and has corporate power and authority to own, lease and operate its properties and to
conduct its business as described in each of the Registration Statement, the General Disclosure Package and the Prospectus and to enter into and perform its obligations under this Underwriting Agreement; and the Company is duly qualified as a
foreign corporation to transact business and is in good standing in each other jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure so to
qualify or to be in good standing would not reasonably be expected to result in, individually or in the aggregate, a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Good Standing of Subsidiaries</U>. Each of the Company&#146;s
subsidiaries (for purposes of this Underwriting Agreement, as defined in Rule 405 under the Securities Act) has been duly organized and is validly existing as a corporation, limited liability company, trust company or national banking association,
as applicable, in good standing under the laws of the jurisdiction of its incorporation, has corporate power and authority to own, lease and operate its properties and to conduct its business as described in each of the Registration Statement, the
General Disclosure Package and the Prospectus and is duly qualified as a foreign corporation to transact business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of
property or the conduct of business, except where the failure so to qualify or to be in good standing would not reasonably be expected to result in, individually or in the aggregate, a Material Adverse Effect. The activities of the Company&#146;s
subsidiaries are permitted of subsidiaries of a bank holding company under applicable law and the rules and regulations of the Board of Governors of the Federal Reserve System (the &#147;<U>Federal Reserve</U>&#148;) set forth in Title 12 of the
Code of Federal Regulations. The only subsidiaries of the Company are the subsidiaries listed on Schedule F hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization</U>. The authorized, issued and outstanding capital stock of the Company is as set forth in the
Registration Statement, the General Disclosure Package and the Prospectus in the column entitled &#147;Actual&#148; under the caption &#147;Capitalization&#148; (except for subsequent issuances, if any, pursuant to this Underwriting Agreement,
pursuant to reservations, agreements or employee benefit plans referred to in the Registration Statement, the General Disclosure Package and the Prospectus or pursuant to the exercise of convertible securities or options disclosed in the
Registration Statement, the General Disclosure Package and the Prospectus). The shares of issued and outstanding capital stock of the Company have been duly authorized and validly issued and are fully paid and
<FONT STYLE="white-space:nowrap">non-assessable;</FONT> none of the outstanding shares of capital stock was issued in violation of the preemptive or other similar rights of any securityholder of the Company. Except as otherwise disclosed in the
Registration Statement, the General Disclosure Package and the Prospectus, all of the issued and outstanding capital stock, limited liability company units or other applicable ownership interests of each such subsidiary has been duly authorized and
validly issued, is fully paid and, except with respect to the Bank pursuant to 12 U.S.C. Section&nbsp;55, <FONT STYLE="white-space:nowrap">non-assessable</FONT> and is owned by the Company, free and clear of any security interest, mortgage, pledge,
lien, encumbrance, claim or equity; none of the outstanding shares of capital stock of any subsidiary was issued in violation of any preemptive or similar right of any securityholder of such subsidiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization of Agreement</U>. This Underwriting Agreement has been duly authorized, executed and delivered by
the Company and, when duly executed by the Representative, will constitute the valid and binding agreement of the Company enforceable against the Company in accordance with its terms, except as enforcement thereof may be limited by bankruptcy,
insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#146; rights generally or by general equitable principles and except as any indemnification or contribution provisions thereof may be limited under
applicable securities laws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization and Description of Securities</U>. The Securities
to be purchased by the Underwriters from the Company have been duly authorized for issuance and sale to the Underwriters pursuant to this Underwriting Agreement and, when issued and delivered by the Company pursuant to this Underwriting Agreement
against payment of the consideration set forth herein, will be validly issued and fully paid and <FONT STYLE="white-space:nowrap">non-assessable;</FONT> the Securities conform to all statements relating thereto contained in the Registration
Statement, the General Disclosure Package and the Prospectus and such description conforms to the rights set forth in the instruments defining the same; no holder of the Securities will be subject to personal liability for the debts of the Company
by reason of being such a holder; and the issuance of the Securities is not subject to the preemptive or other similar rights of any securityholder of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Defaults and Conflicts</U>. Neither the Company nor any of its subsidiaries is (A)&nbsp;in
violation of its certificate of formation, bylaws or operating agreement, or (B)&nbsp;in default in the performance or observance of any obligation, agreement, covenant or condition contained in any contract, indenture, mortgage, deed of trust, loan
or credit agreement, note, lease or other agreement or instrument to which the Company or any of its subsidiaries is a party or by which it or any of them may be bound, or to which any of the property or assets of the Company or any subsidiary is
subject (collectively, &#147;<U>Agreements and Instruments</U>&#148;) except for such defaults that would not result in a Material Adverse Effect; and the execution, delivery and performance of this Underwriting Agreement by the Company and its
banking subsidiary, Guaranty Bank&nbsp;&amp; Trust, N.A. (the &#147;<U>Bank</U>&#148;) and the consummation of the transactions contemplated herein and in the Registration Statement, the General Disclosure Package and the Prospectus (including the
issuance and sale of the Securities and the use of the proceeds from the sale of the Securities as described in the Registration Statement, the General Disclosure Package and the Prospectus under the caption &#147;Use of Proceeds&#148;) and
compliance by the Company and the Bank with their obligations hereunder have been duly authorized by all necessary corporate action and do not and will not, whether with or without the giving of notice or passage of time or both, conflict with or
constitute a breach of, or default or Repayment Event (as defined below) under, or result in the creation or imposition of any lien, charge or encumbrance upon any property or assets of the Company or any subsidiary pursuant to, the Agreements and
Instruments (except for such conflicts, breaches or defaults or liens, charges or encumbrances that would not result in a Material Adverse Effect), nor will such action result in any violation of the provisions of the certificate of formation, <FONT
STYLE="white-space:nowrap">by-laws</FONT> or operating agreement of the Company or any subsidiary or any applicable law, statute, rule, regulation, judgment, order, writ or decree of any government, government instrumentality or court, domestic or
foreign, having jurisdiction over the Company or any subsidiary or any of their assets, properties or operations. As used herein, a &#147;<U>Repayment Event</U>&#148; means any event or condition which gives the holder of any note, debenture or
other evidence of indebtedness or obligation of the Company or any of its subsidiaries (or any person acting on such holder&#146;s behalf) the right to require the repurchase, redemption or repayment of all or a portion of such note, debenture or
other evidence of indebtedness or obligation by the Company or any subsidiary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Labor
Dispute</U>. No labor dispute with the employees of the Company or any subsidiary exists or, to the knowledge of the Company, is imminent, and the Company is not aware of any existing or imminent labor disturbance by the employees of any of its or
any subsidiary&#146;s principal vendors, suppliers, customers or contractors, which, in either case, may reasonably be expected to result in a Material Adverse Effect. Neither the Company nor its subsidiaries are party to any collective bargaining
agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Proceedings</U>. There is no action, suit, proceeding,
inquiry or investigation before or brought by any court or governmental agency or body, domestic or foreign, now pending, or, to the knowledge of the Company, threatened, against or affecting the Company or any subsidiary, which is required to be
disclosed in the Registration Statement, the General Disclosure Package and the Prospectus (other than as disclosed therein), or which might reasonably be expected to result in a Material Adverse Effect, or which might reasonably be expected to
materially and adversely affect the properties or assets thereof or the consummation of the transactions contemplated in this Underwriting Agreement or the performance by the Company of its obligations hereunder; the aggregate of all pending legal
or governmental proceedings to which the Company or any subsidiary is a party or of which any of their respective property or assets is the subject which are not described in the Registration Statement, the General Disclosure Package and the
Prospectus, including ordinary routine litigation incidental to the business, could not reasonably be expected to result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Accuracy of Exhibits</U>. There are no contracts or documents which are required to be described in the
Registration Statement, the General Disclosure Package, the Prospectus or to be filed as exhibits thereto which have not been so described and filed as required. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Possession of Intellectual Property</U>. The Company and its subsidiaries own or possess, or can acquire on
reasonable terms, adequate patents, patent rights, licenses, inventions, copyrights, <FONT STYLE="white-space:nowrap">know-how</FONT> (including trade secrets and other unpatented and/or unpatentable proprietary or confidential information, systems
or procedures and excluding generally commercially available &#147;off the shelf&#148; software programs licensed pursuant to shrink wrap or &#147;click and accept&#148; licenses), trademarks, service marks, trade names or other intellectual
property (collectively, &#147;<U>Intellectual Property</U>&#148;) necessary to carry on the business now operated by them, and neither the Company nor any of its subsidiaries has received any notice or is otherwise aware of any infringement of or
conflict with asserted rights of others with respect to any Intellectual Property or of any facts or circumstances which would render any Intellectual Property invalid or inadequate to protect the interest of the Company or any of its subsidiaries
therein, and which infringement or conflict (if the subject of any unfavorable decision, ruling or finding) or invalidity or inadequacy, singly or in the aggregate, would result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Further Requirements</U>. No filing with, or authorization, approval, consent, license, order,
registration, qualification or decree of, any court or governmental authority or agency is necessary or required for the performance by the Company of its obligations hereunder, in connection with the offering, issuance or sale of the Securities
hereunder or the consummation of the transactions contemplated by this Underwriting Agreement, except such as have been already obtained or as may be required under the 1933 Act or the 1933 Act Regulations or state securities laws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Possession of Licenses and Permits</U>. The Company and its
subsidiaries possess such permits, licenses, approvals, consents and other authorizations (collectively, &#147;<U>Governmental Licenses</U>&#148;) issued by the appropriate federal, state, local or foreign regulatory agencies or bodies necessary to
conduct the business now operated by them; the Company and its subsidiaries are in compliance with the terms and conditions of all such Governmental Licenses, except where the failure to so comply would not, singly or in the aggregate, have a
Material Adverse Effect; all of the Governmental Licenses are valid and in full force and effect, except where the invalidity of such Governmental Licenses or the failure of such Governmental Licenses to be in full force and effect would not have a
Material Adverse Effect; and neither the Company nor any of its subsidiaries has received any notice of proceedings relating to the revocation or modification of any such Governmental Licenses which, singly or in the aggregate, if the subject of an
unfavorable decision, ruling or finding, would result in a Material Adverse Effect. Neither the Company nor any of its subsidiaries has failed to file with applicable regulatory authorities any statement, report, information or form required by any
applicable law, regulation or order, except where the failure to so file in compliance would not, individually or in the aggregate, have a Material Adverse Effect, all such filings were in material compliance with applicable laws when filed and no
material deficiencies have been asserted by any regulatory commission, agency or authority with respect to any such filings or submissions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xx)&nbsp;&nbsp;&nbsp;&nbsp;<U>Title to Property</U>. The Company and its subsidiaries have good and marketable title to all real property
owned by the Company and its subsidiaries and good title to all other properties owned by them, in each case, free and clear of all mortgages, pledges, liens, security interests, claims, restrictions or encumbrances of any kind except such as
(a)&nbsp;are described in the Registration Statement, the General Disclosure Package and the Prospectus or (b)&nbsp;do not, singly or in the aggregate, materially affect the value of such property and do not interfere with the use made and proposed
to be made of such property by the Company or any of its subsidiaries; and all of the leases and subleases material to the business of the Company and its subsidiaries, considered as one enterprise, and under which the Company or any of its
subsidiaries holds properties described in the Registration Statement, the General Disclosure Package and the Prospectus, are in full force and effect, and neither the Company nor any subsidiary has any notice of any material claim of any sort that
has been asserted by anyone adverse to the rights of the Company or any subsidiary under any of the leases or subleases mentioned above, or affecting or questioning the rights of the Company or such subsidiary to the continued possession or use made
or proposed to be made of the leased or subleased premises under any such lease or sublease. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment
Company Act</U>. The Company is not, and upon the issuance and sale of the Securities as herein contemplated and the application of the net proceeds therefrom as described in the Registration Statement, the General Disclosure Package and the
Prospectus will not be, an &#147;investment company&#148; or an entity &#147;controlled&#148; by an &#147;investment company&#148; as such terms are defined in the Investment Company Act of 1940, as amended (the &#147;<U>1940 Act</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental Laws</U>. Except as described in the Registration Statement, the General Disclosure Package and
the Prospectus and except as would not, singly or in the aggregate, result in a Material Adverse Effect, (A)&nbsp;neither the Company nor any of its subsidiaries is in violation of any federal, state, local or foreign statute, law, rule, regulation,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
ordinance, code, policy or rule of common law or any judicial or administrative interpretation thereof, including any judicial or administrative order, consent, decree or judgment, relating to
pollution or protection of human health, the environment (including, without limitation, ambient air, surface water, groundwater, land surface or subsurface strata) or wildlife, including, without limitation, laws and regulations relating to the
release or threatened release of chemicals, pollutants, contaminants, wastes, toxic substances, hazardous substances, petroleum or petroleum products, asbestos-containing materials or mold (collectively, &#147;<U>Hazardous Materials</U>&#148;) or to
the manufacture, processing, distribution, use, treatment, storage, disposal, transport or handling of Hazardous Materials (collectively, &#147;<U>Environmental Laws</U>&#148;), (B) the Company and its subsidiaries have all permits, authorizations
and approvals required under any applicable Environmental Laws and are each in compliance with their requirements, (C)&nbsp;there are no pending or threatened administrative, regulatory or judicial actions, suits, demands, demand letters, claims,
liens, notices of noncompliance or violation, investigation or proceedings relating to any Environmental Law against the Company or any of its subsidiaries and (D)&nbsp;there are no events or circumstances that might reasonably be expected to form
the basis of an order for <FONT STYLE="white-space:nowrap">clean-up</FONT> or remediation, or an action, suit or proceeding by any private party or governmental body or agency, against or affecting the Company or any of its subsidiaries relating to
Hazardous Materials or any Environmental Laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Taxes</U>. The Company and each of the subsidiaries has
(a)&nbsp;timely filed all material foreign, United States federal, state and local tax returns, information returns, and similar reports that are required to be filed (taking into account valid extensions), and all tax returns are true, correct and
complete, (b)&nbsp;paid in full all taxes required to be paid by it and any other assessment, fine or penalty levied against it, except for any such tax assessment, fine or penalty that is currently being contested in good faith or as would not
have, individually or in the aggregate, a Material Adverse Effect, and (c)&nbsp;established on the most recent balance sheet reserves that are adequate for the payment of all taxes not yet due and payable. The United States federal income tax
returns of the Company and its subsidiaries through the fiscal year ended December&nbsp;31, 2012 have been settled, and no assessment in connection therewith has been made against the Company or any of its subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>. The Company and its subsidiaries carry, or are covered by, insurance in such amounts and
covering such risks as the Company reasonably believes are adequate for the conduct of the business of the Company and its subsidiaries and the value of their properties and as are customary in the business in which the Company and its subsidiaries
are engaged; neither the Company nor any of its subsidiaries has been refused any insurance coverage sought or applied for; and the Company has no reason to believe that they will not be able to renew their existing insurance coverage as and when
such coverage expires or to obtain similar coverage from similar insurers as may be necessary to continue its business at a cost that would not have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Statistical and Market Data</U>. The statistical and market related data contained in the Registration
Statement, the General Disclosure Package and the Prospectus are based on or derived from sources which the Company believes, after reasonable inquiry, are reliable and accurate and such data agree with the sources from which they are derived. To
the extent required, the Company has obtained written consent to the use of such data from the relevant third party sources. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Relationships</U>. No relationship, direct or indirect, exists
between or among the Company or any of its subsidiaries, on the one hand, and the directors, officers, shareholders, customers or suppliers of the Company or any of its subsidiaries, on the other, that is required by the 1933 Act or the 1933 Act
Regulations to be described in the Registration Statement, the General Disclosure Package and the Prospectus and that is not so described. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Internal Control Over Financial Reporting</U>. The Company and each of its subsidiaries maintains a system
of internal control over financial reporting (as defined in Rule <FONT STYLE="white-space:nowrap">13a-15</FONT> and <FONT STYLE="white-space:nowrap">15d-15</FONT> under the 1934 Act Regulations) that complies in all material respects with the
requirements of the 1934 Act and is sufficient to provide reasonable assurance that (A)&nbsp;transactions are executed in accordance with management&#146;s general or specific authorizations; (B)&nbsp;transactions are recorded as necessary to permit
preparation of financial statements in conformity with GAAP and to maintain asset accountability; (C)&nbsp;access to assets is permitted only in accordance with management&#146;s general or specific authorization; and (D)&nbsp;the recorded
accountability for assets is compared with the existing assets at reasonable intervals and appropriate action is taken with respect to any differences. Except as described in the Registration Statement, General Disclosure Package and Prospectus,
since the end of the Company&#146;s most recent audited fiscal year, there has been (I)&nbsp;no material weakness in the Company&#146;s internal control over financial reporting (whether or not remediated) and (II)&nbsp;no change in the
Company&#146;s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Disclosure Controls and Procedures</U>. The Company and its subsidiaries employ disclosure controls and
procedures (as such term is defined in Rule <FONT STYLE="white-space:nowrap">13a-15</FONT> under the 1934 Act), which (A)&nbsp;are designed to ensure that information required to be disclosed by the Company in the reports that it will file or submit
under the 1934 Act is recorded, processed, summarized and reported within the time periods specified in the Commission&#146;s rules and forms and that material information relating to the Company and its subsidiaries is made known to the
Company&#146;s principal executive officer and principal financial officer by others within the Company and its subsidiaries to allow timely decisions regarding disclosure, and (B)&nbsp;are effective in all material respects to perform the functions
for which they were established. Based on the evaluation of the Company&#146;s and each subsidiary&#146;s disclosure controls and procedures described above, the Company is not aware of (1)&nbsp;any significant deficiency in the design or operation
of internal controls which could adversely affect the Company&#146;s ability to record, process, summarize and report financial data or any material weaknesses in internal controls or (2)&nbsp;any fraud, whether or not material, that involves
management or other employees who have a significant role in the Company&#146;s internal controls. Since the most recent evaluation of the Company&#146;s disclosure controls and procedures described above, there have been no significant changes in
internal controls or in other factors that could significantly affect internal controls. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with
the Sarbanes-Oxley Act</U>. The Company has taken all necessary actions to ensure that, upon the consummation of the transactions contemplated by this Agreement, the Registration Statement, General Disclosure Package and Prospectus, it will be in
compliance in all material respects with all provisions of the Sarbanes-Oxley Act of 2002 and the rules and regulations promulgated in connection therewith (the &#147;<U>Sarbanes-Oxley Act</U>&#148;), with which the Company is required to comply as
of such time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxx)&nbsp;&nbsp;&nbsp;&nbsp;<U>Pending Procedures and Examinations</U>. The Registration
Statement is not the subject of a pending proceeding or examination under Section 8(d) or 8(e) of the 1933 Act, and the Company is not the subject of a pending proceeding under Section 8A of the 1933 Act in connection with the offering of the
Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Unlawful Payments</U>. Neither the Company nor any of its subsidiaries nor, to the knowledge
of the Company, any director, officer, agent, employee or other person associated with or acting on behalf of the Company or any of its subsidiaries has (A)&nbsp;used any corporate funds for any unlawful contribution, gift, entertainment or other
unlawful expense relating to political activity; (B)&nbsp;made any direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds; (C)&nbsp;violated or is in violation of any provision of the
Foreign Corrupt Practices Act of 1977; or (D)&nbsp;made any bribe, rebate, payoff, influence payment, kickback or other unlawful payment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Registration Rights</U>. No person has the right to require the Company or any of its subsidiaries to
register any securities for sale under the 1933 Act by reason of the filing of the Registration Statement with the Commission or the issuance and sale of the Securities to be sold by the Company hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxiii)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive Rights</U>. There are no authorized or outstanding preemptive rights, rights of first refusal
or other similar rights to purchase, or equity or debt securities convertible into or exchangeable or exercisable for, any capital stock of the Company or any of its subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxiv)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Stabilization or Manipulation</U>. Neither the Company nor any of its subsidiaries, nor any affiliates of
the Company or its subsidiaries, has taken, directly or indirectly, any action designed to or that could reasonably be expected to cause or result in any stabilization or manipulation of the price of the Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxv)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Unauthorized Use of Prospectus</U>. The Company has not distributed and, prior to the later to occur of
(i)&nbsp;the Closing Time and (ii)&nbsp;completion of the distribution of the Securities, will not distribute any prospectus (as such term is defined in the 1933 Act and the 1933 Act Regulations) in connection with the offering and sale of the
Securities other than the Registration Statement, any preliminary prospectus, the Prospectus or other materials, if any, permitted by the 1933 Act or by the 1933 Act Regulations and approved by the Representative. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Forward-Looking Statements</U>. No forward-looking statement contained in the Registration Statement, the
General Disclosure Package and the Prospectus has been made or reaffirmed without a reasonable basis or has been disclosed other than in good faith. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxvii)&nbsp;&nbsp;&nbsp;&nbsp;<U><FONT STYLE="white-space:nowrap">Lock-up</FONT> Agreements</U>. Each of the Company&#146;s executive
officers, directors, 5% or greater shareholders and certain other shareholders, in each case as listed on Schedule E hereto, has executed and delivered <FONT STYLE="white-space:nowrap">lock-up</FONT> agreements as contemplated by Section 5(i)
hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Fees</U>. Other than as contemplated by this Underwriting Agreement, there is no broker,
finder or other party that is entitled to receive from the Company or any subsidiary any brokerage or finder&#146;s fee or any other fee, commission or payment as a result of the transactions contemplated by this Underwriting Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xxxix)&nbsp;&nbsp;&nbsp;&nbsp;<U>ERISA</U>. The Company and each of the subsidiaries or their
&#147;ERISA Affiliates&#148; (as defined below) are in compliance in all material respects with all presently applicable provisions of the Employee Retirement Income Security Act of 1974, as amended, including the regulations and published
interpretations thereunder (&#147;<U>ERISA</U>&#148;); no &#147;reportable event&#148; (as defined in ERISA) has occurred with respect to any &#147;employee benefit plan&#148; (as defined in ERISA) for which the Company or any of the subsidiaries or
ERISA Affiliates would have any liability; the Company and each of the subsidiaries or their ERISA Affiliates have not incurred and do not expect to incur liability under (A)&nbsp;Title IV of ERISA with respect to termination of, or withdrawal from,
any &#147;employee benefit plan&#148; or (B)&nbsp;Sections 412, 4971, 4975 or 4980B of the United States Internal Revenue Code of 1986, as amended, and the regulations and published interpretations thereunder (collectively the &#147;Code&#148;); and
each &#147;employee benefit plan&#148; for which the Company and each of its subsidiaries or any of their ERISA Affiliates would have any liability that is intended to be qualified under Section 401(a) of the Code is so qualified in all material
respects and nothing has occurred, whether by action or by failure to act, which would cause the loss of such qualification. &#147;<U>ERISA Affiliate</U>&#148; means, with respect to the Company or a subsidiary, any member of any group of
organizations described in Sections 414(b), (c), (m) or (o)&nbsp;of the Code or Section 400(b) of ERISA of which the Company or such subsidiary is a member. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xl)&nbsp;&nbsp;&nbsp;&nbsp;<U>Directed Share Program</U>. The Company has not offered, or caused the Underwriters to offer, Securities to any
person pursuant to the Directed Share Program with the specific intent to unlawfully influence (i)&nbsp;a customer or supplier of the Company to alter the customer or supplier&#146;s level or type of business with the Company, or (ii)&nbsp;a trade
journalist or publication to write or publish favorable information about the Company or its products and services. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xli)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Regulatory Proceedings</U>. Neither the Company nor any of its subsidiaries is a party to or subject to any
order, decree, agreement, memorandum of understanding or similar agreement with, or a commitment letter, supervisory letter or similar submission to, any federal, state or local court or governmental entity (each a &#147;<U>Governmental
Entity</U>&#148;) charged with the supervision or regulation of depository institutions or engaged in the insurance of deposits (including the Federal Deposit Insurance Corporation (&#147;<U>FDIC</U>&#148;)) or the supervision or regulation of the
Company or any of its subsidiaries and neither the Company nor any of its subsidiaries has been advised by any such Governmental Entity that such Governmental Entity is contemplating issuing or requesting (or is considering the appropriateness of
issuing or requesting) any such order, decree, agreement, memorandum of understanding, commitment letter, supervisory letter or similar submission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Applicable Laws</U>. Except as disclosed in the Registration Statement, the General
Disclosure Package and the Prospectus, or where the failure to be in compliance would not result in a Material Adverse Effect, the Company and its subsidiaries conduct their respective businesses in compliance with all federal, state, local and
foreign statutes, laws, rules, regulations, decisions, directives and orders applicable to them (including, without limitation, all applicable regulations and orders of, or agreements with, the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Federal Reserve, the FDIC, the Office of the Comptroller of the Currency (the &#147;<U>OCC</U>&#148;), the Texas Department of Banking (the &#147;<U>TDB</U>&#148;), the Commission, the Consumer
Financial Protection Bureau (collectively, the &#147;<U>Regulatory Agencies</U>&#148;), and the Dodd Frank Wall Street Reform and Consumer Protection Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Community Reinvestment Act, the
Home Mortgage Disclosure Act, all other applicable fair lending laws or other laws relating to discrimination, the Bank Secrecy Act, Title III of the USA Patriot Act, and the Currency and Foreign Transaction Reporting Act of 1970, as amended, the
rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by any Governmental Entity). Neither the Company nor its subsidiaries has received any communication from any Governmental
Entity asserting that the Company or any subsidiary is not in compliance with any statute, law, rule, regulation, decision, directive or order, except where the asserted failure to comply would not result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xliii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Money Laundering</U>. The operations of the Company and its subsidiaries are and have been conducted at all
times in compliance in all material respects with applicable financial record-keeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the applicable money laundering statutes of all
jurisdictions, the applicable rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency having jurisdiction over the Company and its subsidiaries
(collectively, the &#147;<U>Money Laundering Laws</U>&#148;) and no action, suit or proceeding by or before any court or governmental agency, authority or body or any arbitrator involving the Company or any of its subsidiaries with respect to the
Money Laundering Laws is pending or, to the knowledge of the Company, threatened. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xliv)&nbsp;&nbsp;&nbsp;&nbsp;<U>OFAC</U>. Neither the
Company nor any of its subsidiaries, nor, to the Company&#146;s knowledge, any director, officer, agent, employee, affiliate or person acting on behalf of the Company or any of its subsidiaries, is currently subject to any U.S. sanctions
administered by the Office of Foreign Assets Control of the U.S. Treasury Department (&#147;<U>OFAC</U>&#148;); and the Company will not, and will cause all of its subsidiaries not to, knowingly directly or indirectly use the proceeds of the sale of
the Securities, or lend, contribute or otherwise make available such proceeds to any subsidiaries, joint venture partner or other person or entity, towards any sales or operations in any country sanctioned by OFAC or for the purpose of financing the
activities of any person currently subject to any U.S. sanctions administered by OFAC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment
Securities</U>. Each of the Company and its subsidiaries has good and marketable title to all securities held by it (except securities sold under repurchase agreements or held in any fiduciary or agency capacity) free and clear of any lien, claim,
charge, option, encumbrance, mortgage, pledge or security interest or other restriction of any kind, except to the extent such securities are pledged in the ordinary course of business consistent with prudent business practices to secure obligations
of the Company or any of its subsidiaries and except for such defects in title or liens, claims, charges, options, encumbrances, mortgages, pledges or security interests or other restrictions of any kind that would not be material to the Company and
its subsidiaries. Such securities are valued on the books of the Company and its subsidiaries in accordance with GAAP. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlvi)&nbsp;&nbsp;&nbsp;&nbsp;<U>Derivative Securities</U>. All material swaps, caps, floors,
futures, forward contracts, option agreements (other than employee stock options) and other derivative financial instruments, contracts or arrangements, whether entered into for the account of the Company or one of its subsidiaries or for the
account of a customer of the Company or one of its subsidiaries, were entered into in the ordinary course of business and in accordance and in all material respects with applicable laws, rules, regulations and policies of all applicable regulatory
agencies and with counterparties believed to be financially responsible at the time. The Company and each of its subsidiaries have duly performed in all material respects all of their obligations thereunder to the extent that such obligations to
perform have accrued. Neither the Company nor any of its subsidiaries, nor, to the knowledge of the Company, any other party thereto, is in breach of its material obligations under any such agreement or arrangement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlvii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Subsidiary Dividend Restrictions</U>. Except as disclosed in each of the Registration Statement, the General
Disclosure Package and the Prospectus, no subsidiary of the Company is currently prohibited, directly or indirectly, under any order of a Regulatory Agency (other than orders applicable to bank holding companies and their subsidiaries generally),
under any applicable law, or under any agreement or other instrument to which it is a party or is subject, from paying any dividends to the Company, from making any other distribution on such subsidiary&#146;s capital stock, from repaying to the
Company any loans or advances to such subsidiary from the Company or from transferring any of such subsidiary&#146;s properties or assets to the Company or any other subsidiary of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlviii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Reports, Registrations and Statements</U>. Since January&nbsp;1, 2014, the Company, the Bank and each of
their subsidiaries have filed all material reports, registrations and statements, together with any required amendments thereto, that it was required to file with the Federal Reserve, the FDIC, the OCC, and any other applicable federal or state
securities or banking authorities, except where the failure to file any such report, registration or statement would not reasonably be expected to result in a Material Adverse Effect. All such reports and statements filed with any such regulatory
body or authority are collectively referred to herein as the &#147;<U>Company Reports</U>.&#148; As of their respective dates, the Company Reports complied as to form in all material respects with all the rules and regulations promulgated by the
Federal Reserve, the FDIC, the OCC and any other applicable federal or state securities or banking authorities, as the case may be. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(xlix)&nbsp;&nbsp;&nbsp;&nbsp;<U>Fiduciary Accounts</U>. Except as would not reasonably be expected to have, individually or in the aggregate,
a Material Adverse Effect, the Company and each of its subsidiaries has properly administered all accounts for which it acts as a fiduciary, including accounts for which it serves as a trustee, agent, custodian, personal representative, guardian,
conservator or investment advisor, in accordance with the terms of the governing documents, applicable federal and state law and regulation and common law. Neither the Company nor any of its subsidiaries or any of their respective directors,
officers or employees has committed any breach of trust or fiduciary duty with respect to any such fiduciary account that would reasonably be expected to result in, individually or in the aggregate, a Material Adverse Effect and, except as would not
reasonably be expected to result in, individually or in the aggregate, a Material Adverse Effect, the accountings for each such fiduciary account are true and correct and accurately reflect the assets of such fiduciary account. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<U>Privacy Statements</U>. The Bank (A)&nbsp;complies in all material
respects with the Privacy Statements (as defined below) as applicable to any given set of personal information collected by the Bank from Individuals (as defined below), (B) complies in all material respects with all applicable federal, state, local
and foreign laws and regulations regarding the collection, retention, use, transfer or disclosure of personal information, and (C)&nbsp;takes reasonable measures as are customary in the business in which the Bank and its subsidiaries are engaged to
protect and maintain the confidential nature of the personal information provided to the Bank by Individuals in accordance with the terms of the applicable Privacy Statements. To the Company&#146;s knowledge, no claim or controversy has arisen or
been threatened regarding the Privacy Statements or the implementation thereof. As used herein, &#147;<U>Privacy Statements</U>&#148; means, collectively, any and all of the Bank&#146;s privacy statements and policies published on the Bank&#146;s
websites or products or otherwise made available by the Bank regarding the collection, retention, use and distribution of the personal information of an individual, including, without limitation, from visitors or users of any Bank website or
products (&#147;<U>Individuals</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(li)&nbsp;&nbsp;&nbsp;&nbsp;<U>Debt Securities</U>. The Company has no debt securities to
which a rating is accorded by any &#147;nationally recognized statistical rating organization,&#148; as defined in Section 3(a)(62) of the 1934 Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(lii)&nbsp;&nbsp;&nbsp;&nbsp;<U>FINRA</U>. All of the information, as may have been updated or amended, provided to the Representative or to
counsel for the Underwriters by the Company, to the Company&#146;s knowledge, its officers and directors and the holders of any securities (debt or equity) or options to acquire any securities of the Company in connection with letters, filings or
other supplemental information provided to FINRA pursuant to FINRA Rule 5110 and FINRA Rule 5121 is true, complete and correct in all material respects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Representations and Warranties by the Bank.</I> The Bank represents and warrants to each Underwriter as of the
date hereof, as of the Closing Time referred to in Section 2(c) hereof, and as of each Date of Delivery (if any) referred to in Section 2(b) hereof, and agrees with each Underwriter, as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The Bank has been duly chartered and is validly existing as a national banking association in good standing under
the laws of the United States, and has been duly qualified as a foreign bank for the transaction of business and is in good standing under the laws of each other jurisdiction in which it owns or leases properties or conducts any business so as to
require such qualification or is subject to no material liability or disability by reason of the failure to be so qualified in any such other jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Bank nor any of its subsidiaries is (A)&nbsp;in violation of its charter, bylaws or other
organizational or governing documents or (B)&nbsp;in default in the performance or observance of any obligation, agreement, covenant or condition contained in any contract, indenture, mortgage, deed of trust, loan agreement, note, lease or other
agreement or instrument to which the Bank or any of its subsidiaries is a party or by which any of them is bound or to which any of the property or assets of the Bank or any of its subsidiaries is subject (collectively, &#147;<U>Bank
Instruments</U>&#148;), except, in the case of clause (B), where any such default, individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;This Underwriting Agreement has been duly authorized, executed and
delivered by the Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;The execution, delivery and performance of this Underwriting Agreement by the Bank,
compliance by the Bank with all of the provisions of this Underwriting Agreement and the consummation of the transactions herein contemplated do not and will not contravene, conflict with, or result in a breach or violation of any of the terms or
provisions of, or constitute a default under, any Bank Instrument, nor does or will any such action contravene, conflict with or result in a breach or violation of any of the terms or provisions of the charter or bylaws of the Bank or any statute,
order, rule or regulation of any court or Governmental Entity having jurisdiction over the Bank or any of its subsidiaries or any of its properties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;The deposit accounts of the Bank are insured by the FDIC up to the legal maximum, the Bank has paid all premiums
and assessments required by the FDIC and the regulations thereunder and no proceeding for the termination or revocation of such insurance is pending or, to the knowledge of the Bank, threatened. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;As of March&nbsp;31, 2017, the Bank was &#147;well managed&#148; and met or exceeded the standards necessary to be
considered &#147;well capitalized&#148; under the FDIC&#146;s regulatory framework for prompt corrective action. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Officer&#146;s Certificates.</I> Any certificate signed by any officer of the Company or any of its subsidiaries
delivered to the Representative or to counsel for the Underwriters shall be deemed a representation and warranty by the Company to each Underwriter as to the matters covered thereby. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale and Delivery to Underwriters; Closing</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Initial Securities</I>. On the basis of the representations and warranties herein contained and subject to the
terms and conditions herein set forth, the Company agrees to sell to each Underwriter, severally and not jointly, and each Underwriter, severally and not jointly, agrees to purchase from the Company, at the price per share set forth in Schedule D,
the number of Initial Securities set forth in Schedule A opposite the name of such Underwriter, plus any additional number of Initial Securities which such Underwriter may become obligated to purchase pursuant to the provisions of Section&nbsp;10
hereof, bears to the total number of Initial Securities, subject, in each case, to such adjustments among the Underwriters as the Representative in its<B> </B>sole discretion shall make to eliminate any sales or purchases of fractional securities.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Option Securities</I>. In addition, on the basis of the representations and warranties herein contained and
subject to the terms and conditions herein set forth, the<B> </B>Company hereby grants an option to the Underwriters, severally and not jointly, to purchase up to an additional [&#9679;] shares of Common Stock, as set forth in Schedule B, at the
price per share set forth in Schedule D, less an amount per share equal to any dividends or distributions declared by the Company and payable on the Initial Securities but not payable on the Option Securities. The option hereby
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
granted will expire 30&nbsp;days after the date hereof and may be exercised in whole or in part from time to time upon notice by the Representative to the<B> </B>Company setting forth the number
of Option Securities as to which the several Underwriters are then exercising the option and the time and date of payment and delivery for such Option Securities. Any such time and date of delivery (a &#147;<U>Date of Delivery</U>&#148;) shall be
determined by the Representative, but shall not be later than seven full business days after the exercise of said option, nor in any event prior to the Closing Time, as hereinafter defined. If the option is exercised as to all or any portion of the
Option Securities, each of the Underwriters, acting severally and not jointly, will purchase that proportion of the total number of Option Securities then being purchased which the number of Initial Securities set forth in Schedule A opposite the
name of such Underwriter bears to the total number of Initial Securities, subject in each case to such adjustments as the Representative in its discretion shall make to eliminate any sales or purchases of fractional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Payment</I>. Payment of the purchase price for, and delivery of certificates for, the Initial Securities shall
be made at the offices of Hunton&nbsp;&amp; Williams LLP, 1445 Ross Avenue, Suite 3700, Dallas, Texas 75202, or at such other place as shall be agreed upon by the Representative and the Company, at 9:00&nbsp;A.M. (Eastern time) on the third (fourth,
if the pricing occurs after 4:30 P.M. (Eastern time) on any given day) business day after the date hereof (unless postponed in accordance with the provisions of Section&nbsp;10), or such other time not later than ten business days after such date as
shall be agreed upon by the Representative and the Company (such time and date of payment and delivery being herein called &#147;<U>Closing Time</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, in the event that any or all of the Option Securities are purchased by the Underwriters, payment of the purchase price for, and
delivery of certificates for, such Option Securities shall be made at the <FONT STYLE="white-space:nowrap">above-mentioned</FONT> offices, or at such other place as shall be agreed upon by the Representative and the Company, on each Date of Delivery
as specified in the notice from the Representative to the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Payment shall be made to the Company by wire transfer of immediately
available funds to a bank account designated by the Company against delivery to the Representative for the respective accounts of the Underwriters of certificates for the Securities to be purchased by them. It is understood that each Underwriter has
authorized the Representative, for its account, to accept delivery of, receipt for, and make payment of the purchase price for, the Initial Securities and the Option Securities, if any, which it has agreed to purchase. Sandler, individually and not
as representative of the Underwriters, may (but shall not be obligated to) make payment of the purchase price for the Initial Securities or the Option Securities, if any, to be purchased by any Underwriter whose funds have not been received by the
Closing Time or the relevant Date of Delivery, as the case may be, but such payment shall not relieve such Underwriter from its obligations hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Denominations; Registration</I>. Certificates for the Initial Securities and the Option Securities, if any,
shall be in such denominations and registered in such names as the Representative may request in writing at least one full business day before the Closing Time or the relevant Date of Delivery, as the case may be. The certificates for the Initial
Securities and the Option Securities, if any, will be made available for examination and packaging by the Representative in the City of New York not later than 10:00&nbsp;A.M. (Eastern time) on the business day prior to the Closing Time or the
relevant Date of Delivery, as the case may be. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants of the Company</U>. The Company covenants with
each Underwriter as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance with Securities Regulations and Commission Requests</I>. The
Company, subject to Section 3(b), will comply with the requirements of Rule 430A and will notify the Representative immediately, and confirm the notice in writing, (i)&nbsp;when any post-effective amendment to the Registration Statement shall become
effective, or any supplement to the Prospectus or any amended Prospectus shall have been filed, (ii)&nbsp;of the receipt of any comments from the Commission, (iii)&nbsp;of any request by the Commission for any amendment to the Registration Statement
or any amendment or supplement to the Prospectus or for additional information, (iv)&nbsp;of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or of any order preventing or suspending the use
of any preliminary prospectus, or of the suspension of the qualification of the Securities for offering or sale in any jurisdiction, or of the initiation or threatening of any proceedings for any of such purposes or of any examination pursuant to
Section 8(e) of the 1933 Act concerning the Registration Statement and (v)&nbsp;if the Company becomes the subject of a proceeding under Section 8A of the 1933 Act in connection with the offering of the Securities. The Company will promptly effect
the filings necessary pursuant to Rule 424(b) in the manner and within the time period required by Rule 424(b) (without reliance on Rule 424(b)(8)) and will take such steps as it deems necessary to ascertain promptly whether the form of prospectus
transmitted for filing under Rule 424(b) was received for filing by the Commission and, in the event that it was not, it will promptly file such prospectus. The Company will make every reasonable effort to prevent the issuance of any stop order and,
if any stop order is issued, to obtain the lifting thereof at the earliest possible moment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Filing of
Amendments.</I> The Company will give the Representative notice of its intention to file or prepare any amendment to the Registration Statement (including any filing under Rule 462(b)), or any amendment, supplement or revision to either any
preliminary prospectus (including the prospectus included in the Registration Statement at the time it became effective) or to the Prospectus, whether pursuant to the 1933 Act, the 1934 Act or otherwise, will furnish the Representative with copies
of any such documents a reasonable amount of time prior to such proposed filing or use, as the case may be, and will not file or use any such document to which the Representative or counsel for the Underwriters shall object. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Registration Statements</I>. The Company has furnished or will deliver to the Representative and
counsel for the Underwriters, without charge, as many signed copies as the Underwriters may reasonably request of the Registration Statement as originally filed and of each amendment thereto (including exhibits filed therewith) and as many signed
copies as the Underwriters may reasonably request of all consents and certificates of experts, and will also deliver to the Representative, without charge, as many conformed copies as the Underwriters may reasonably request of the Registration
Statement as originally filed and of each amendment thereto (without exhibits) for each of the Underwriters. The copies of the Registration Statement and each amendment thereto furnished to the Underwriters will be identical to the electronically
transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectuses.</I> The Company has delivered to each
Underwriter, without charge, as many copies of each preliminary prospectus as such Underwriter reasonably requested, and the Company hereby consents to the use of such copies for purposes permitted by the 1933 Act. The Company will furnish to each
Underwriter, without charge, during the period when the Prospectus is required to be delivered under the 1933 Act or the 1934 Act, such number of copies of the Prospectus (as amended or supplemented) as such Underwriter may reasonably request. The
Prospectus and any amendments or supplements thereto furnished to the Underwriters will be identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT
STYLE="white-space:nowrap">S-T.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Continued Compliance with Securities Laws.</I> The Company will
comply with the 1933 Act and the 1933 Act Regulations and the 1934 Act and the 1934 Act Regulations so as to permit the completion of the distribution of the Securities as contemplated in this Underwriting Agreement and in the Registration
Statement, the General Disclosure Package and the Prospectus. If at any time when a prospectus is required by the 1933 Act to be delivered in connection with sales of the Securities, any event shall occur or condition shall exist as a result of
which it is necessary, in the opinion of counsel for the Underwriters or for the Company, to amend the Registration Statement or amend or supplement any preliminary prospectus or the Prospectus in order that such preliminary prospectus or Prospectus
will not include any untrue statements of a material fact or omit to state a material fact necessary in order to make the statements therein not misleading in the light of the circumstances existing at the time it is delivered to a purchaser, or if
it shall be necessary, in the opinion of such counsel, at any such time to amend the Registration Statement or amend or supplement any preliminary prospectus or the Prospectus in order to comply with the requirements of the 1933 Act or the 1933 Act
Regulations, the Company will promptly prepare and file with the Commission, subject to Section 3(b), such amendment or supplement as may be necessary to correct such statement or omission or to make the Registration Statement or any preliminary
prospectus or the Prospectus comply with such requirements, and the Company will furnish to the Underwriters such number of copies of such amendment or supplement as the Underwriters may reasonably request. If at any time following issuance of an
Issuer-Represented Free Writing Prospectus or Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication there occurred or occurs an event or development as a result of which such
Issuer-Represented Free Writing Prospectus or Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication conflicted or would conflict with the information contained in the Registration
Statement or contained or would contain an untrue statement of a material fact required to be stated therein or necessary to make the statements therein not misleading, the Company has promptly notified or will promptly notify the Representative and
has promptly amended or will promptly amend or supplement, at its own expense, such Issuer-Represented Free Writing Prospectus to eliminate or correct such conflict, untrue statement or omission. If at any time following issuance of an
Issuer-Represented Free Writing Prospectus there occurred or occurs an event or development as a result of which such Issuer-Represented Free Writing Prospectus conflicted or would conflict with the information contained in the Prospectus or
included or would include an untrue statement of a material fact or omitted or would omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
prevailing at that subsequent time, not misleading, the Company has promptly notified or will promptly notify the Representative and has promptly amended or will promptly amend or supplement, at
its own expense, such Issuer-Represented Free Writing Prospectus or Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication to eliminate or correct such conflict, untrue statement or
omission.&nbsp;&nbsp;&nbsp;&nbsp;The Company will promptly notify the Representative if the Commission requests information concerning any <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT>
Communication distributed by or on behalf of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Blue Sky Qualifications.</I> The Company will use
its best efforts, in cooperation with the Underwriters, to qualify the Securities for offering and sale under the applicable securities laws of such states and other jurisdictions as the Representative may designate and to maintain such
qualifications in effect for a period of not less than one year from the later of the effective date of the Registration Statement and any Rule 462(b) Registration Statement; provided that the Company shall not be obligated to file any general
consent to service of process or to qualify as a foreign corporation or as a dealer in securities in any jurisdiction in which it is not so qualified or to subject itself to taxation in respect of doing business in any jurisdiction in which it is
not otherwise so subject. In each jurisdiction in which the Securities have been so qualified, the Company will file such statements and reports as may be required by the laws of such jurisdiction to continue such qualification in effect for a
period of not less than one year from the effective date of the Registration Statement and any Rule 462(b) Registration Statement. The Company will also supply the Underwriters with such information as is necessary for the determination of the
legality of the Securities for investment under the laws of such jurisdiction as the Underwriters may request. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>Rule 158.</I> The Company will timely file such reports pursuant to the 1934 Act as are necessary in order to
make generally available to its securityholders as soon as practicable an earnings statement for the purposes of, and to provide the benefits contemplated by, the last paragraph of Section 11(a) of the 1933 Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Use of Proceeds.</I> The Company will use the net proceeds received by it from the sale of the Securities in the
manner specified in the Registration Statement, the General Disclosure Package and the Prospectus under &#147;Use of Proceeds.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>Listing.</I> The Company will use its best efforts to effect and maintain the listing of the Securities on the
Nasdaq Global Select Market (&#147;Nasdaq&#148;) and will file with Nasdaq all documents and notices required by Nasdaq of companies that have securities that are traded in the
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">over-the-counter</FONT></FONT> market and quotations for which are reported by the Nasdaq Global Select Market. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>Restriction on Sale of Securities.</I> During a period of 180 days from the date of the Prospectus (the
&#147;<U><FONT STYLE="white-space:nowrap">Lock-up</FONT> Period</U>&#148;), the Company will not, without the prior written consent of the Representative, (i)&nbsp;directly or indirectly, offer, pledge, sell, contract to sell, sell any option or
contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of any share of Common Stock or any securities convertible into or exercisable or exchangeable for Common
Stock, whether now owned or hereafter acquired or with respect to which such person has or hereafter acquires the power of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
disposition, or file any registration statement under the 1933 Act with respect to any of the foregoing or (ii)&nbsp;enter into any swap or any other agreement or any transaction that transfers,
in whole or in part, directly or indirectly, the economic consequence of ownership of the Common Stock, whether any such swap or transaction described in clause (i)&nbsp;or (ii) above is to be settled by delivery of Common Stock or such other
securities, in cash or otherwise. The foregoing sentence shall not apply to (A)&nbsp;the Securities to be sold hereunder, (B)&nbsp;any shares of Common Stock issued by the Company upon the exercise of an option or warrant or the conversion of a
security outstanding on the date hereof and disclosed in the Registration Statement, General Disclosure Package and Prospectus, or (C)&nbsp;any shares of Common Stock issued or restricted stock or options to purchase Common Stock granted pursuant to
existing employee benefit plans of the Company disclosed in the Registration Statement, the General Disclosure Package and the Prospectus, provided that such options shall not be vested and exercisable within the
<FONT STYLE="white-space:nowrap">Lock-up</FONT> Period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>Reporting Requirements.</I> The Company, during the
period when the Prospectus is required to be delivered under the 1933 Act or the 1934 Act, will file all documents required to be filed with the Commission pursuant to the 1934 Act within the time periods required by the 1934 Act and the 1934 Act
Regulations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Directed Share Program</I>. The Company will comply with all applicable securities and other
laws, rules and regulations in each jurisdiction in which the Reserved Securities are offered in connection with the Directed Share Program. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Issuer Free Writing Prospectus</I>. The Company represents and agrees that, unless it obtains the prior consent
of the Representative, it has not made and will not make any offer relating to the Securities that would constitute an &#147;issuer free writing prospectus,&#148; as defined in Rule 433, or that would otherwise constitute a &#147;free writing
prospectus,&#148; as defined in Rule 405, required to be filed with the Commission. Any such free writing prospectus consented to by the Representative is hereinafter referred to as an &#147;<I>Issuer</I> <I>Permitted Free Writing
Prospectus</I>.&#148; The Company represents that it has treated or agrees that it will treat each Issuer Permitted Free Writing Prospectus as an &#147;issuer free writing prospectus,&#148; as defined in Rule 433, and has complied and will comply
with the requirements of Rule 433 applicable to any Issuer Permitted Free Writing Prospectus, including timely filing with the Commission where required, legending and record keeping. The Company represents that it has satisfied and agrees that it
will satisfy the conditions in Rule 433 to avoid a requirement to file with the Commission any electronic road show. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT STYLE="white-space:nowrap">Lock-up</FONT> Release</I>. If the Representative, in its sole discretion,
agrees to release or waive any <FONT STYLE="white-space:nowrap">lock-up</FONT> restrictions set forth in a <FONT STYLE="white-space:nowrap">lock-up</FONT> agreement executed and delivered under Section 5(g) and the Representative provides the
Company with notice of the impending release or waiver at least three business days before the effective date of the release or waiver, upon the Representative&#146;s request, the Company agrees to announce the impending release or waiver of any <FONT
STYLE="white-space:nowrap">lock-up</FONT> restrictions of any officer or director of the Company by press release through a major news service at least two business days before the effective date of the release or waiver. Any release or waiver
granted by the Representative to any such officer or director shall only be effective two business days after the publication date of such press release. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Registration Rights, Preemptive Rights and Other Rights.</I> The
Company agrees that it shall not release any party from a waiver of registration rights, or from a waiver of any preemptive rights, rights of first refusal or other similar rights to purchase, or equity or debt securities convertible into or
exchangeable or exercisable for, any capital stock of the Company or any of its subsidiaries, during the <FONT STYLE="white-space:nowrap">Lock-up</FONT> Period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Security Interest in Bank Common Stock.</I> During the period beginning on the date hereof and ending on the
later of the fifth anniversary of the Closing Time or the date on which the Underwriters receive full payment in satisfaction of any claim for indemnification or contribution to which they may be entitled pursuant to Sections 6 and 7 of this
Underwriting Agreement, neither the Company nor the Bank shall, without the prior written consent of the Representative, take or permit to be taken any action that could result in the Bank&#146;s common stock becoming subject to any security
interest, mortgage, pledge, lien or encumbrance; provided, however, that this covenant shall be null and void if the Federal Reserve Board, the OCC, the FDIC or any federal or state bank regulator or regulatory authority having jurisdiction over the
Bank, by regulation, policy statement or interpretive release or by written order or written advice addressed to the Bank and specifically addressing the provisions of Sections 6 and 7 hereof, permits indemnification of the Underwriters by the Bank
as contemplated by such provisions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;<I>Emerging Growth Company</I>. The Company will promptly notify the
Representatives if the Company ceases to be an Emerging Growth Company at any time prior to the later of (i)&nbsp;completion of the distribution of Securities within the meaning of the 1933 Act and (ii)&nbsp;completion of the <FONT
STYLE="white-space:nowrap">Lock-up</FONT> Period. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment of Expenses</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Expenses.</I> The Company will pay or cause to be paid all expenses incident to the performance of its
obligations under this Underwriting Agreement, including (i)&nbsp;the preparation, printing and filing of the Registration Statement (including financial statements and exhibits) as originally filed and of each amendment thereto, including all
Commission filing fees, (ii)&nbsp;the preparation, printing and delivery to the Underwriters of this Underwriting Agreement, any Agreement among Underwriters and such other documents as may be required in connection with the offering, purchase,
sale, issuance or delivery of the Securities, (iii)&nbsp;the preparation, issuance and delivery of the certificates for the Securities to the Underwriters, including any stock or other transfer taxes and any stamp or other duties payable upon the
sale, issuance or delivery of the Securities to the Underwriters, (iv)&nbsp;the fees and disbursements of the Company&#146;s counsel, accountants and other advisors, (v)&nbsp;the qualification of the Securities under securities laws in accordance
with the provisions of Section&nbsp;3(f) hereof, including filing fees and the reasonable fees and disbursements of counsel for the Underwriters in connection therewith and in connection with the preparation of the Blue Sky Survey and any supplement
thereto, (vi)&nbsp;the printing and delivery to the Underwriters of copies of each preliminary prospectus, any Permitted Free Writing Prospectus, any Written
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications and the Prospectus and any amendments or supplements thereto (including any costs associated with electronic delivery of these
materials and the distribution of this materials by the Underwriters), (vii)&nbsp;the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
preparation, printing and delivery to the Underwriters of copies of the Blue Sky Survey and any supplement thereto, (viii)&nbsp;the fees and expenses of any transfer agent or registrar for the
Securities, (ix)&nbsp;the costs and expenses of the Company relating to investor presentations in connection with <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">testing-the-waters</FONT></FONT> meetings or on any &#147;road
show&#148; undertaken in connection with the marketing of the Securities, including without limitation, expenses associated with the production of <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">testing-the-waters</FONT></FONT> or
road show slides and graphics, fees and expenses of any consultants engaged in connection with the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">testing-the-waters</FONT></FONT> presentations or road show, travel and lodging
expenses of the representatives and officers of the Company and any such consultants, and the cost of aircraft and other transportation chartered in connection with the
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">testing-the-waters</FONT></FONT> presentations or road show, (x)&nbsp;the reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT>
expenses of the Underwriters, including without limitation, legal fees and expenses, and marketing, syndication and travel and lodging expenses incurred by the Underwriters up to $175,000 (including matters related to the Reserved Securities which
are designated by the Company for sale to Invitees); (xi) the costs, fees and expenses incurred by the Underwriters in connection with determining their compliance with the rules and regulations of FINRA related to the Underwriters&#146;
participation in the offering and distribution of the Securities, including any related filing fees, and (xii)&nbsp;the fees and expenses incurred in connection with the listing of the Securities on the Nasdaq Global Select Market. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination of Agreement.</I> If this Underwriting Agreement is terminated by the Representative in accordance
with the provisions of Section&nbsp;5, Section&nbsp;9(a), Section&nbsp;10 or Section&nbsp;11 hereof, the Company shall reimburse the Underwriters for all of their
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses, including the reasonable fees and disbursements of counsel for the Underwriters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions of Underwriters&#146; Obligations</U>. The obligations of the several Underwriters hereunder
are subject to the accuracy of the representations and warranties of the Company and the Bank contained in Section&nbsp;1 hereof or in certificates of any officer of the Company or any subsidiary of the Company delivered pursuant to the provisions
hereof, to the performance by the Company and the Bank of their covenants and other obligations hereunder, and to the following further conditions: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Effectiveness of Registration Statement.</I> The Registration Statement, including any Rule 462(b) Registration
Statement, has become effective and at Closing Time no stop order suspending the effectiveness of the Registration Statement shall have been issued under the 1933 Act or proceedings therefor initiated or threatened by the Commission, and any request
on the part of the Commission for additional information shall have been complied with to the reasonable satisfaction of counsel to the Underwriters. A prospectus containing the Rule 430A Information shall have been filed with the Commission in the
manner and within the time period required by Rule 424(b) (without reliance on Rule 424(b)(8)) (or a post-effective amendment providing such information shall have been filed and declared effective in accordance with the requirements of Rule 430A).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinion of Counsel for Company.</I> At Closing Time, the Representative shall have received the favorable
opinion, dated as of Closing Time, of Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP, counsel for the Company, in form and substance satisfactory to counsel for the Underwriters, together with signed or reproduced copies of such letter for each of the
other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Underwriters to the effect set forth in Exhibit A hereto and to such further effect as counsel to the Underwriters may reasonably request, each in form and substance satisfactory to counsel for
the Underwriters, together with signed or reproduced copies of such letter for each of the other Underwriters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinion of Counsel for Underwriters.</I> At Closing Time, the Representative shall have received the opinion,
dated as of Closing Time, of Hunton&nbsp;&amp; Williams LLP, counsel for the Underwriters, together with signed or reproduced copies of such letter for each of the other Underwriters, in form and substance satisfactory to the Underwriters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Officers&#146; Certificate.</I> At Closing Time, there shall not have been, since the date hereof or since the
respective dates as of which information is given in the Registration Statement, the General Disclosure Package or the Prospectus as of the execution of this Underwriting Agreement or the Applicable Time, any material change in the capital stock or
long term debt of the Company or any of its subsidiaries or any material adverse change in the condition, financial or otherwise, or in the earnings, business affairs, properties, assets or business prospects of the Company and its subsidiaries
considered as one enterprise, whether or not arising in the ordinary course of business, and the Representative shall have received a certificate of the Chief Executive Officer of the Company and of the Chief Financial Officer of the Company, dated
as of Closing Time, to the effect that (i)&nbsp;there has been no material change in the capital stock or long term debt of the Company or any of its subsidiaries or any material adverse change in the condition, financial or otherwise, or in the
earnings, business affairs, properties, assets or business prospects of the Company and its subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business, (ii)&nbsp;the representations and warranties in
Section&nbsp;1(a) and Section 1(b) hereof are true and correct with the same force and effect as though expressly made at and as of Closing Time, (iii)&nbsp;the Company has complied with all agreements and satisfied all conditions on its part to be
performed or satisfied at or prior to Closing Time, and (iv)&nbsp;no stop order suspending the effectiveness of the Registration Statement has been issued and no proceedings for that purpose have been instituted or are pending or are to their
knowledge contemplated by the Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Accountant&#146;s Comfort Letter.</I> At the time of the
execution of this Underwriting Agreement, the Representative shall have received from Whitley Penn a letter dated the date hereof, in form and substance satisfactory to the Representative, together with signed or reproduced copies of such letter for
each of the other Underwriters containing statements and information of the type ordinarily included in accountants&#146; &#147;comfort letters&#148; to underwriters with respect to the financial statements and certain financial information
contained in the Registration Statement and General Disclosure Package. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Bring-down Comfort Letter.</I> At
Closing Time, the Representative shall have received from Whitley Penn a letter, dated as of Closing Time, to the effect that they reaffirm the statements made in the letter furnished pursuant to subsection&nbsp;(g) of this Section, except that the
specified date referred to shall be a date not more than three business days prior to Closing Time with respect to the financial statements and certain financial information contained in the Prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>Approval of Listing.</I> At Closing Time, the Securities shall have
been approved for listing on the Nasdaq under the symbol &#147;GNTY&#148;, subject only to official notice of issuance and upon consummation of the offering contemplated hereby the Company will be in compliance with the designation and maintenance
criteria applicable to Nasdaq issues. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Objection.</I> FINRA shall have confirmed that it has not raised
any objection with respect to the fairness and reasonableness of the underwriting terms and arrangements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I><FONT
STYLE="white-space:nowrap">Lock-up</FONT> Agreements.</I> At the date of this Underwriting Agreement, the Representative shall have received an agreement substantially in the form of Exhibit&nbsp;B hereto signed by the persons listed on Schedule E
hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectus.</I> The Company shall have complied with the provisions hereof with respect
to the furnishing of prospectuses, in electronic or printed format, on the New York business day next succeeding the date of this Underwriting Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Termination Event.</I> On or after the date hereof, there shall not have occurred any of the events,
circumstances or occurrences set forth in Section 9(a). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Rule 462(b) Registration Statement</I>. In the
event that a Rule 462(b) Registration Statement is filed in connection with the offering contemplated by this Underwriting Agreement, such Rule 462(b) Registration Statement shall have been filed with the Commission, in compliance with Rule 462(b),
on the date of this Underwriting Agreement and shall have become effective automatically upon such filing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Conditions to Purchase of Option Securities.</I> In the event that the Underwriters exercise their option
provided in Section&nbsp;2(b) hereof to purchase all or any portion of the Option Securities, the representations and warranties of the Company contained herein and the statements in any certificates furnished by the Company and any subsidiary of
the Company hereunder shall be true and correct as of each Date of Delivery and, at the relevant Date of Delivery, the Representative shall have received: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers&#146; Certificate</U>. A certificate, dated such Date of Delivery, of the Chief Executive Officer and
Chief Financial Officer of the Company confirming that the certificate delivered at the Closing Time pursuant to Section&nbsp;5(d) hereof remains true and correct as of such Date of Delivery. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion of Counsel for Company</U>. The favorable opinion of Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP,
counsel for the Company, in form and substance satisfactory to counsel for the Underwriters, dated such Date of Delivery, relating to the Option Securities to be purchased on such Date of Delivery and otherwise to the same effect as the opinion
required by Section&nbsp;5(b) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion of Counsel for Underwriters</U>. The favorable opinion of
Hunton&nbsp;&amp; Williams LLP, counsel for the Underwriters, dated such Date of Delivery, relating to the Option Securities to be purchased on such Date of Delivery and otherwise to the same effect as the opinion required by Section&nbsp;5(c)
hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Bring-down Comfort Letter</U>. A letter from Whitley Penn, in form
and substance satisfactory to the Representative and dated such Date of Delivery, substantially in the same form and substance as the letter furnished to the Representative pursuant to Section 5(e) hereof, except that the &#147;specified date&#148;
in the letter furnished pursuant to this paragraph shall be a date not more than five days prior to such Date of Delivery. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Termination Event</U>. There shall not have occurred prior to the Date of Delivery any of the events,
circumstances or occurrences set forth in Section 9(a). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>Additional Documents.</I> At Closing Time and at
each Date of Delivery counsel for the Underwriters shall have been furnished with such documents and opinions as they may require for the purpose of enabling them to pass upon the issuance and sale of the Securities as herein contemplated, or in
order to evidence the accuracy of any of the representations or warranties, or the fulfillment of any of the conditions, herein contained, or other such documents, certificates and opinions as may reasonably be requested; and all proceedings taken
by the Company in connection with the issuance and sale of the Securities as herein contemplated shall be satisfactory in form and substance to the Representative and counsel for the Underwriters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination of Agreement.</I> If any condition specified in this Section shall not have been fulfilled when and
as required to be fulfilled, this Underwriting Agreement, or, in the case of any condition to the purchase of Option Securities on a Date of Delivery which is after the Closing Time, the obligations of the several Underwriters to purchase the
relevant Option Securities, may be terminated by the Representative by notice to the Company at any time at or prior to Closing Time or such Date of Delivery, as the case may be, and such termination shall be without liability of any party to any
other party except as provided in Section&nbsp;4 and except that Sections 1, 6, 7 and 8 shall survive any such termination and remain in full force and effect. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Underwriters.</I> The Company and the Bank, jointly and severally, agree to indemnify and hold
harmless each Underwriter, its affiliates (as such term is defined in Rule 501(b) under the 1933 Act) (&#147;<U>Affiliates</U>&#148;), its and its Affiliates&#146; respective selling agents, partners, directors, officers, employees and agents and
each person, if any, who controls any Underwriter within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act to the extent and in the manner set forth in clauses (i), (ii), (iii) and (iv)&nbsp;as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;against any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of any untrue
statement or alleged untrue statement of a material fact contained in the Registration Statement (or any amendment thereto), including the Rule 430A Information, or the omission or alleged omission therefrom of a material fact required to be stated
therein or necessary to make the statements therein not misleading or arising out of any untrue statement or alleged untrue statement of a material fact included in any preliminary prospectus, any Issuer-Represented Free Writing Prospectus, any
Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Communication provided to investors by, or with the approval of, the Company, any road show presentation made to investors by the Company, the General Disclosure Package or the Prospectus (or any
amendment or supplement thereto), or the omission or alleged omission therefrom of a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of
(A)&nbsp;the violation of any applicable laws or regulations of foreign jurisdictions where Reserved Securities have been offered and (B)&nbsp;any untrue statement or alleged untrue statement of a material fact included in the supplement or
prospectus wrapper material distributed in connection with the reservation and sale of the Reserved Securities to Invitees or the omission or alleged omission therefrom of a material fact necessary to make the statements therein not misleading, when
considered in conjunction with any preliminary prospectus, any Issuer-Represented Free Writing Prospectus, any Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication provided to
investors by, or with the approval of, the Company, any road show presentation made to investors by the Company, the General Disclosure Package or the Prospectus (or any amendment or supplement thereto); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all loss, liability, claim, damage and expense whatsoever, as incurred, to the extent of the
aggregate amount paid in settlement of any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever based upon any such untrue statement or omission, or any such alleged
untrue statement or omission or in connection with any violation of the nature referred to in Section 6(a)(ii)(A) hereof; provided that (subject to Section 6(d) below) any such settlement is effected with the written consent of the Company; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;against any and all expense whatsoever, as incurred (including the fees and disbursements of counsel chosen by the
Representative), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation or proceeding by or before any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any
such untrue statement or omission, or any such alleged untrue statement or omission or in connection with any violation of the nature referred to in Section 6(a)(ii)(A) hereof, to the extent that any such expense is not paid under (i), (ii) or
(iii)&nbsp;above; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">provided that this indemnity agreement shall not apply to any loss, liability, claim, damage or expense to the extent arising out of
any untrue statement or omission or alleged untrue statement or omission made in reliance upon and in conformity with the Underwriter Information. Notwithstanding the foregoing, the indemnification provided for in Section and the contribution
provided for in Section&nbsp;7 below shall not apply to the Bank to the extent that such indemnification or contribution, as the case may be, by the Bank is found in a final judgment by a court of competent jurisdiction to constitute a covered
transaction under Section 23A of the Federal Reserve Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligations of the Company and the Bank under this Section and
Section&nbsp;7 below shall be in addition to any liability which the Company or the Bank may otherwise have and shall extend, upon the same terms and conditions, to each Underwriter, its Affiliates, its and its
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Affiliates&#146; respective selling agents, partners, directors, officers, employees and agents and each person, if any, who controls any Underwriter within the meaning of Section&nbsp;15 of the
1933 Act or Section&nbsp;20 of the 1934 Act; and the several obligations of the Underwriters under this Section and Section&nbsp;7 below shall be in addition to any liability which the respective Underwriters may otherwise have and shall extend,
upon the same terms and conditions, to each director of the Company (including any person who, with his or her consent, is named in the Registration Statement as about to become a director of the Company), each officer of the Company who signs the
Registration Statement and to each person, if any, who controls the Company or the Bank, as the case may be, within the meaning of the 1933 Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Company, Directors and Officers.</I> Each Underwriter, severally and not jointly, agrees to
indemnify and hold harmless the Company, its directors, each of its officers who signed the Registration Statement, and each person, if any, who controls the Company within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the
1934 Act, against any and all loss, liability, claim, damage and expense described in the indemnity contained in subsection&nbsp;(a) of this Section, as incurred, but only with respect to untrue statements or omissions, or alleged untrue statements
or omissions, made in the Registration Statement (or any amendment thereto), including the Rule 430A Information, any preliminary prospectus, any Issuer-Represented Free Writing Prospectus, any Written <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communication, any road show presentation made to investors by the Company, the General Disclosure Package or the Prospectus (or any amendment or supplement thereto) in reliance upon and in
conformity with the Underwriter Information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Actions against Parties; Notification.</I> Each indemnified
party shall give notice as promptly as reasonably practicable to each indemnifying party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure to so notify an indemnifying party shall not relieve such
indemnifying party from any liability hereunder to the extent it is not materially prejudiced as a result thereof and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity agreement. In
the case of parties indemnified pursuant to Section 6(a) above, counsel to the indemnified parties shall be selected by the Representative, and, in the case of parties indemnified pursuant to Section 6(b) above, counsel to the indemnified parties
shall be selected by the Company. In case any such action shall be brought against any indemnified party and it shall notify the indemnifying party of the commencement thereof, the indemnifying party shall be entitled to participate therein and, to
the extent that it shall wish, jointly with any other indemnifying party similarly notified, to assume the defense thereof, with counsel reasonably satisfactory to such indemnified party (which consent shall not be unreasonably withheld, and which
counsel shall not, except with the consent of the indemnified party, be counsel to the indemnifying party), provided, however, if the defendants in any such action include both the indemnified party and the indemnifying party and the indemnified
party shall have reasonably concluded that a conflict may arise between the positions of the indemnifying party and the indemnified party in conducting the defense of any such action or that there may be legal defenses available to its and/or other
indemnified parties which are materially different from or additional to those available to the indemnifying party, the indemnified party or parties shall have the right to select separate counsel to assume the legal defense of such indemnified
party or parties (but not to control the defense of such action as to the indemnifying party) and to otherwise participate in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the defense of such action on behalf of such indemnified party or parties. After notice from the indemnifying party to such indemnified party of its election so to assume the defense thereof, the
indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection with the defense
thereof other than reasonable costs of investigation unless (i)&nbsp;the indemnified party shall have employed separate counsel in accordance with the proviso to the preceding sentence (it being understood, however, that the indemnifying party shall
not be liable for the expenses of more than one separate counsel (together with local counsel), approved by the indemnifying party) or (ii)&nbsp;the indemnifying party shall not have employed counsel reasonably satisfactory to the indemnified party
within a reasonable time after notice of commencement of the action, in each of which cases the fees and expenses of counsel shall be at the expense of the indemnifying party. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No indemnifying party shall, without the prior written consent of the indemnified parties, settle or compromise or consent to the entry of any
judgment with respect to any litigation, or any investigation or proceeding by or before any governmental agency or body, commenced or threatened, or any claim whatsoever in respect of which indemnification or contribution could be sought under this
Section&nbsp;6 or Section&nbsp;7 hereof (whether or not the indemnified parties are actual or potential parties thereto), unless such settlement, compromise or consent (i)&nbsp;includes an unconditional release of each indemnified party from all
liability arising out of such litigation, investigation, proceeding or claim and (ii)&nbsp;does not include a statement as to or an admission of fault, culpability or a failure to act by or on behalf of any indemnified party. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Settlement Without Consent if Failure to Reimburse.</I> If at any time an indemnified party shall have requested
an indemnifying party to reimburse the indemnified party for fees and expenses of counsel, such indemnifying party agrees that it shall be liable for any settlement of the nature contemplated by Section 6(a)(ii) and Section 6(a)(iii) effected
without its written consent if (i)&nbsp;such settlement is entered into more than 45 days after receipt by such indemnifying party of the aforesaid request, (ii)&nbsp;such indemnifying party shall have received notice of the terms of such settlement
at least 30 days prior to such settlement being entered into and (iii)&nbsp;such indemnifying party shall not have reimbursed such indemnified party in accordance with such request prior to the date of such settlement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification for Reserved Securities</I>. In connection with the offer and sale of the Reserved Securities,
the Company and the Bank, jointly and severally, agree to indemnify and hold harmless each Underwriter, its Affiliates, its and its Affiliates&#146; respective selling agents, partners, directors, officers, employees and agents and each person, if
any, who controls any Underwriter within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act, from and against any and all losses, liabilities, claims, damages and expenses (including, without limitation, any legal or
other expenses reasonably incurred in connection with defending, investigating, or settling any such action or claim) as incurred by them (i)&nbsp;caused by the failure of any Invitee to pay for and accept delivery of Reserved Securities which have
been orally confirmed by the end of the first business day following the date of this Underwriting Agreement or (ii)&nbsp;related to, or arising out of or in connection with, the offering of the Reserved Securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Contribution</U>. If the indemnification provided for in
Section&nbsp;6 hereof is for any reason unavailable to or insufficient to hold harmless an indemnified party in respect of any losses, liabilities, claims, damages or expenses referred to therein, then each indemnifying party shall contribute to the
aggregate amount of such losses, liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, (i)&nbsp;in such proportion as is appropriate to reflect the relative benefits received by the Company and the Bank on the
one hand and the Underwriters on the other hand from the offering of the Securities pursuant to this Underwriting Agreement or (ii)&nbsp;if the allocation provided by clause (i)&nbsp;is not permitted by applicable law, in such proportion as is
appropriate to reflect not only the relative benefits referred to in clause (i)&nbsp;above but also the relative fault of the Company and the Bank on the one hand and of the Underwriters on the other hand in connection with the statements or
omissions, or in connection with any violation of the nature referred to in Section 6(a)(ii)(A) hereof, which resulted in such losses, liabilities, claims, damages or expenses, as well as any other relevant equitable considerations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative benefits received by the Company and the Bank on the one hand and the Underwriters on the other hand in connection with the
offering of the Securities pursuant to this Underwriting Agreement shall be deemed to be in the same respective proportions as the total net proceeds from the offering of the Securities pursuant to this Underwriting Agreement (before deducting
expenses) received by the Company and the Bank, on the one hand, and the total underwriting discount and commissions received by the Underwriters, on the other hand, in each case as set forth on the cover of the Prospectus bear to the aggregate
initial public offering price of the Securities as set forth on the cover of the Prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative fault of the Company and the
Bank, on the one hand, and the Underwriters, on the other hand, shall be determined by reference to, among other things, whether any such untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact
relates to information supplied by the Company or the Bank on the one hand or by the Underwriters on the other hand and the parties&#146; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or
omission or any violation of the nature referred to in Section 6(a)(ii)(A) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company, the Bank and the Underwriters agree that
it would not be just and equitable if contribution pursuant to this Section&nbsp;7 were determined by <I>pro rata</I> allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation which does
not take account of the equitable considerations referred to above in this Section&nbsp;7. The aggregate amount of losses, liabilities, claims, damages and expenses incurred by an indemnified party and referred to above in this Section&nbsp;7 shall
be deemed to include any legal or other expenses reasonably incurred by such indemnified party in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency or body, commenced or
threatened, or any claim whatsoever based upon any such untrue or alleged untrue statement or omission or alleged omission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the provisions of this Section&nbsp;7, no Underwriter shall be required to contribute any amount in excess of the amount by
which the total discounts, fees and commissions received by it exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of any such untrue or alleged untrue statement or omission or alleged omission. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the 1933
Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this
Section&nbsp;7, each person, if any, who controls an Underwriter within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act and each Underwriter&#146;s Affiliates, its and its Affiliates&#146; respective selling agents,
partners, directors, officers, employees and agents shall have the same rights to contribution as such Underwriter, and each director of the Company, each officer of the Company who signed the Registration Statement, and each person, if any, who
controls the Company within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act shall have the same rights to contribution as the Company. The obligations of the Company and the Bank in this Section&nbsp;7 to contribute
are joint and several. The Underwriters&#146; respective obligations to contribute pursuant to this Section&nbsp;7 are several in proportion to the number of Initial Securities set forth opposite their respective names in Schedule A hereto and not
joint. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 8.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties and Agreements to Survive Delivery</U>. All representations,
warranties and agreements contained in this Underwriting Agreement or in certificates of officers of the Company or any of its subsidiaries submitted pursuant hereto, shall remain operative and in full force and effect, regardless of any
investigation made by or on behalf of any Underwriter, its Affiliates, its and its Affiliates&#146; respective selling agents, partners, directors, officers and employees and each person, if any, who controls any Underwriter within the meaning of
Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act, or by or on behalf of the Company, and shall survive delivery of and payment for the Securities. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 9.&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination of Underwriting Agreement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination; General.</I> The Representative may terminate this Underwriting Agreement, by notice to the Company,
at any time at or prior to Closing Time (i)&nbsp;if there has been, since the time of execution of this Underwriting Agreement or since the respective dates as of which information is given in the Registration Statement, the General Disclosure
Package or the Prospectus, any material adverse change in the capital stock or long term debt of the Company or any of its subsidiaries or any material adverse change in the condition, financial or otherwise, or in the earnings, business affairs,
properties, assets or business prospects of the Company and its subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business (ii)&nbsp;if there has occurred any material adverse change in the financial markets
in the United States or the international financial markets, any outbreak of hostilities or escalation thereof or other calamity or crisis or any change or development involving a prospective change in national or international political, financial
or economic conditions, including without limitation as a result of terrorist activities, in each case the effect of which is such as to make it, in the judgment of the Representative, impracticable or inadvisable to market the Securities or to
enforce contracts for the sale of the Securities, (iii)&nbsp;if trading in any securities of the Company has been suspended or materially limited by the Commission or the Nasdaq </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Global Select Market, or if trading generally on the New York Stock Exchange or on NASDAQ has been suspended or materially limited, or minimum or maximum prices for trading have been fixed, or
maximum ranges for prices have been required, by any of said exchanges or by such system or by order of the Commission, FINRA or any other governmental authority, (iv)&nbsp;a material disruption has occurred in commercial banking or securities
settlement or clearance services in the United States or with respect to Clearstream or Euroclear Systems in Europe, or (v)&nbsp;if a general moratorium on commercial banking activities has been declared by either Federal, New York or Texas
authorities or a material disruption in commercial banking or securities settlement or clearance services in the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Liabilities.</I> If this Underwriting Agreement is terminated pursuant to this Section, such termination shall
be without liability of any party to any other party except as provided in Section&nbsp;4 hereof, and provided further that Sections 1, 6, 7 and 8 shall survive such termination and remain in full force and effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 10.&nbsp;&nbsp;&nbsp;&nbsp;<U>Default by One or More of the Underwriters</U>. If one or more of the Underwriters shall fail at Closing
Time or a Date of Delivery to purchase the Securities which it or they are obligated to purchase under this Underwriting Agreement (the &#147;<U>Defaulted Securities</U>&#148;), the Representative shall have the right, within 36&nbsp;hours
thereafter, to make arrangements for one or more of the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters, or any other underwriters, to purchase all, but not less than all, of the Defaulted Securities in such amounts as may be
agreed upon and upon the terms herein set forth; if, however, the Representative shall not have completed such arrangements within such <FONT STYLE="white-space:nowrap">36-hour</FONT> period, then: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;if the number of Defaulted Securities does not exceed 10% of the number of Securities to be purchased on such date,
each of the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters shall be obligated, severally and not jointly, to purchase the full amount thereof in the proportions that their respective underwriting obligations hereunder bear to
the underwriting obligations of all <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters, or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;if
the number of Defaulted Securities exceeds 10% of the number of Securities to be purchased on such date, this Underwriting Agreement or, with respect to any Date of Delivery which occurs after the Closing Time, the obligation of the Underwriters to
purchase and of the Company to sell the Option Securities to be purchased and sold on such Date of Delivery shall terminate without liability on the part of any <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No action taken pursuant to this Section shall relieve any defaulting Underwriter from liability in respect of its default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of any such default which does not result in a termination of this Underwriting Agreement or, in the case of a Date of Delivery
which is after the Closing Time, which does not result in a termination of the obligation of the Underwriters to purchase and the Company to sell the relevant Option Securities, as the case may be, either (i)&nbsp;the Representative or (ii)&nbsp;the
Company shall have the right to postpone Closing Time or the relevant Date of Delivery, as the case may be, for a period not exceeding seven days in order to effect any required changes in the Registration Statement or Prospectus or in any other
documents or arrangements. As used herein, the term &#147;Underwriter&#148; includes any person substituted for an Underwriter under this Section&nbsp;10. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 11.&nbsp;&nbsp;&nbsp;&nbsp;<U>Default by the Company</U>. If the Company shall fail at
Closing Time or at the Date of Delivery to sell and deliver the number of Securities that it is obligated to sell hereunder, then this Underwriting Agreement shall terminate without any liability on the part of any nondefaulting party; provided that
the provisions of Sections 1, 4, 6, 7 and 8 shall remain in full force and effect. No action taken pursuant to this Section shall relieve the Company or the Bank from liability, if any, in respect of such default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 12.&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenant of the Underwriters</U>. Each Underwriter represents and agrees that, unless it obtains the
prior consent of the Company and the Representative, it has not made and will not make any offer relating to the Securities that would constitute an &#147;issuer free writing prospectus,&#148; as defined in Rule 433, or that would otherwise
constitute a &#147;free writing prospectus,&#148; as defined in Rule 405, required to be filed with the Commission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
13.&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices and other communications hereunder shall be in writing and shall be deemed to have been duly given if mailed or transmitted by any standard form of telecommunication. Notices to the Underwriters
shall be directed to the Representative at Sandler O&#146;Neill + Partners, L.P., 1251 Avenue of the Americas, 6th Floor, New York, New York 10020, attention of the General Counsel, with a copy to Hunton&nbsp;&amp; Williams LLP, 1445 Ross Avenue,
Suite 3700, Dallas, Texas 75202, Attention Peter G. Weinstock; and notices to the Company shall be directed to it at 201 South Jefferson Avenue, Mount Pleasant, Texas 75455, attention of the General Counsel, with a copy to Fenimore, Kay,
Harrison&nbsp;&amp; Ford, LLP, 812 San Antonio Street, Suite 600, Austin, Texas 78701, Attention Chet A. Fenimore. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
14.&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties</U>. This Underwriting Agreement shall each inure to the benefit of and be binding upon the Underwriters, the Company and the Bank and their respective successors. Nothing expressed or mentioned in this
Underwriting Agreement is intended or shall be construed to give any person, firm or corporation, other than the Underwriters, the Company and the Bank and their respective successors and the controlling persons, officers and directors and other
persons or entities referred to in Sections&nbsp;6 and 7 and their heirs and legal representatives, any legal or equitable right, remedy or claim under or in respect of this Underwriting Agreement or any provision herein contained. This Underwriting
Agreement and all conditions and provisions hereof are intended to be for the sole and exclusive benefit of the Underwriters, the Company and the Bank and their respective successors, and said controlling persons, officers and directors and other
persons or entities and their heirs and legal representatives, and for the benefit of no other person, firm or corporation. No purchaser of Securities from any Underwriter shall be deemed to be a successor by reason merely of such purchase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 15.&nbsp;&nbsp;&nbsp;&nbsp;<U>No Fiduciaries</U>. Each of the Company and the Bank, severally and not jointly, acknowledges and agrees
that (i)&nbsp;the purchase and sale of the Securities pursuant to this Underwriting Agreement, including the determination of the public offering price of the Securities and any related discounts and commissions, is an
<FONT STYLE="white-space:nowrap">arm&#146;s-length</FONT> commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, (ii)&nbsp;in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
connection with the offering contemplated hereby and the process leading to such transaction each Underwriter is and has been acting solely as a principal and is not the agent or fiduciary of the
Company, the Bank or their respective shareholders, creditors, employees or any other third party, (iii)&nbsp;no Underwriter has assumed or will assume an advisory or fiduciary responsibility in favor of the Company or the Bank with respect to the
offering contemplated hereby or the process leading thereto (irrespective of whether such Underwriter has advised or is currently advising the Company or the Bank on other matters) and no Underwriter has any obligation to the Company or the Bank
with respect to the offering contemplated hereby except the obligations expressly set forth in this Underwriting Agreement, (iv)&nbsp;the Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve
interests that differ from those of the Company or the Bank, and (v)&nbsp;the Underwriters have not provided any legal, accounting, regulatory or tax advice with respect to the offering contemplated hereby and the Company and the Bank has consulted
its own legal, accounting, regulatory and tax advisors to the extent it deemed appropriate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
16.&nbsp;&nbsp;&nbsp;&nbsp;<U>GOVERNING LAW; VENUE</U>. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES OF SAID STATE OTHER THAN SECTION <FONT
STYLE="white-space:nowrap">5-1401</FONT> OF THE NEW YORK GENERAL OBLIGATIONS LAW. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 17.&nbsp;&nbsp;&nbsp;&nbsp; <U>Time</U>. Time
shall be of the essence of this Underwriting Agreement. Except as otherwise set forth herein, specified times of day refer to New York City time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 18.&nbsp;&nbsp;&nbsp;&nbsp;<U>General Provisions</U>. This Underwriting Agreement constitutes the entire agreement of the parties to
this Underwriting Agreement and supersedes all prior written or oral and all contemporaneous oral agreements, understandings and negotiations with respect to the subject matter hereof. This Underwriting Agreement may be executed in two or more
counterparts, each one of which shall be an original, but all of which together shall constitute one and the same instrument. The exchange of copies of this Underwriting Agreement and of signature pages by facsimile or other electronic means shall
constitute effective execution and delivery of this Underwriting Agreement by the parties hereto and may be used in lieu of the original signature pages to this Underwriting Agreement for all purposes. No amendment or waiver of any provision of this
Underwriting Agreement, nor any consent or approval to any departure therefrom, shall in any event be effective unless the same shall be in writing and signed by the parties hereto. The headings herein are for convenience only and shall not affect
the construction hereof. The invalidity or unenforceability of any Section, paragraph or provision of this Underwriting Agreement shall not affect the validity or enforceability of any other Section, paragraph or provision hereof. If any Section,
paragraph or provision of this Underwriting Agreement is for any reason determined to be invalid or unenforceable, there shall be deemed to be made such minor changes (and only such minor changes) as are necessary to make it valid and enforceable.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding, please sign and return to us four
counterparts hereof, and upon the acceptance hereof by the Representative, on behalf of each of the Underwriters, this letter and such acceptance hereof shall constitute a binding agreement among each of the Underwriters, the Company and the Bank.
It is understood that the Representative&#146;s acceptance of this letter on behalf of each of the Underwriters is pursuant to the authority set forth in a form of Agreement among Underwriters, the form of which shall be submitted to the Company for
examination upon request, but without warranty on the Representative&#146;s part as to the authority of the signers thereof. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="99%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">GUARANTY BANCSHARES, INC.</TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="99%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">GUARANTY BANK&nbsp;&amp; TRUST, N.A.</TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CONFIRMED AND ACCEPTED,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">&nbsp;&nbsp;&nbsp;&nbsp;as of the date first above written:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">SANDLER O&#146;NEILL + PARTNERS, L.P.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">For itself and as Representative of the other Underwriters named in Schedule A hereto.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Sandler O&#146;Neill + Partners Corp.,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">the sole general partner</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE A </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:68.80pt; font-size:8pt; font-family:Times New Roman">Name of Underwriter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Number<BR>of<br>Initial<br>Securities</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sandler O&#146;Neill + Partners, L.P.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stephens Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;</TD>
<TD NOWRAP VALIGN="bottom">]&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule A - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE B </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; width:19.05pt; font-size:8pt; font-family:Times New Roman">Issuer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Number&nbsp;of&nbsp;Initial<br>Securities&nbsp;to&nbsp;be&nbsp;Sold</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Maximum&nbsp;Number&nbsp;of&nbsp;Option<br>Securities to Be Sold</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule B - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE C </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Issuer-Represented General Free Writing Prospectus </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Electronic Roadshow, dated [&#9679;], 2017 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Written <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Testing-the-Waters</FONT></FONT> Communications </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule C - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE D </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#9679;] Shares of Common Stock </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(Par Value $1.00 Per Share) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;The initial public offering price per share for the Securities, determined as provided in said Section&nbsp;2, shall
be $[&#9679;]. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;The purchase price per share for the Securities to be paid by the several Underwriters shall be
$[&#9679;], being an amount equal to the initial public offering price set forth above less $[&#9679;] per share; provided that the purchase price per share for any Option Securities purchased upon the exercise of the option described in Section
2(b) shall be reduced by an amount per share equal to any dividends or distributions declared by the Company and payable on the Initial Securities but not payable on the Option Securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule D - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE E </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[To be provided separately] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule E - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule F </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>List of Subsidiaries </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Subsidiaries of
Guaranty Bancshares, Inc. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Bank&nbsp;&amp; Trust, N.A. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty (TX) Capital Trust III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty (TX) Capital Trust II
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DCB Financial Trust I </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Subsidiaries of Guaranty
Bank&nbsp;&amp; Trust, N.A. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Company, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">G.
B. COM., Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pin Oak Realty Holdings, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pin Oak Energy
LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Bank&nbsp;&amp; Trust Political Action Committee </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2800 South Texas Avenue, LLC </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Schedule F - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EXHIBIT A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF OPINION OF COMPANY&#146;S COUNSEL TO BE DELIVERED PURSUANT TO SECTION 5(b) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[To be provided separately] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Exhibit A - 1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EXHIBIT B </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[Form of <FONT STYLE="white-space:nowrap">lock-up</FONT> from directors, officers or other stockholders pursuant to Section 5(g)] </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Date] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SANDLER O&#146;NEILL&nbsp;&amp;
PARTNERS, L.P. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;as Representative of the several Underwriters </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;to be named in the Underwriting Agreement </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1251 Avenue of the Americas, 6th Floor </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10020
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Re:</TD>
<TD ALIGN="left" VALIGN="top"><U>Proposed Initial Public Offering by Guaranty Bancshares, Inc.</U> </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Sirs: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The undersigned, a shareholder and/or an executive officer and/or director of Guaranty Bancshares, Inc., a Texas corporation and registered
bank holding company (the &#147;<U>Company</U>&#148;), understands that Sandler O&#146;Neill&nbsp;&amp; Partners, L.P. (&#147;<U>Representative</U>&#148;), as representative of the Underwriters, proposes to enter into an Underwriting Agreement (the
&#147;<U>Underwriting Agreement</U>&#148;) with the Company providing for the initial public offering (the &#147;<U>Offering</U>&#148;) of shares (the &#147;<U>Securities</U>&#148;) of the Company&#146;s common stock, par value $1.00 per share (the
&#147;<U>Common Stock</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">In recognition of the benefit that such an offering will confer upon the undersigned as a shareholder
and/or executive officer and/or director of the Company, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the undersigned agrees with each Underwriter to be named in the Underwriting
Agreement that, during the period of 180 days from the date of the Underwriting Agreement (the &#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period</U>&#148;), the undersigned will not, without the prior written consent of the
Representative, directly or indirectly, (i)&nbsp;offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant for the sale of, or otherwise dispose of or
transfer any shares of the Common Stock or any securities convertible into or exchangeable or exercisable for Common Stock, whether now owned or hereafter acquired by the undersigned or with respect to which the undersigned has or hereafter acquires
the power of disposition, (ii)&nbsp;make any demand or exercise any right with respect to the filing of any registration statement under the Securities Act of 1933, as amended (the &#147;<U>Securities Act</U>&#148;), with respect to any of the
foregoing in clause (i), or (ii)&nbsp;enter into any swap or any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of ownership of the Common Stock or any securities convertible
into or exchangeable or exercisable for Common Stock, whether any such swap or transaction is to be settled by delivery of Common Stock or other securities, in cash or otherwise, or publicly announce any intention to do any of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, the undersigned may transfer the undersigned&#146;s shares of Common Stock: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top">as a <I>bona fide</I> gift or gifts or by will or intestate succession, provided that (x)&nbsp;the donee or donees or transferee or transferees agree to be bound in writing by the restrictions set forth herein and
(y)&nbsp;if the undersigned is required to file a report under Section 16(a) of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), reporting a reduction in beneficial ownership of shares of Common Stock or any securities
convertible into or exercisable or exchangeable for Common Stock by the undersigned during the <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period, the undersigned shall include a statement in such report to the effect that such transfer is not a
transfer for value and that such transfer is being made as a gift, by will or intestate succession, as the case may be; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top">to any trust or family limited partnership for the direct or indirect benefit of the undersigned or the immediate family of the undersigned, provided that (x)&nbsp;the trustee of the trust, general partner of the family
limited partnership or similar person, as the case may be, agrees to be bound by the restrictions set forth herein, and (y)&nbsp;that any such transfer shall not involve a disposition for value, other than with respect to any such transfer or
distribution for which the transferor receives equity interests of such transferee or such transferee&#146;s interests in the transferor, provided, further, that any filing under Section 16(a) of the Exchange Act that is required in connection with
any such transfer shall include a statement in such report to the effect that such transfer is being made in connection with this clause (ii); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top">pursuant to an order of a court or regulatory agency; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iv)</TD>
<TD ALIGN="left" VALIGN="top">pledged in a bona fide transaction outstanding as of the date hereof to a lender to the undersigned, as disclosed in writing to the Representative; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(v)</TD>
<TD ALIGN="left" VALIGN="top">pursuant to the exercise by the undersigned of stock options that have been granted by the Company prior to, and are outstanding as of, the date of the Underwriting Agreement, where the Common Stock received upon any
such exercise is held by the undersigned, individually or as fiduciary, in accordance with the terms of this letter agreement (&#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement</U>&#148;); </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(vi)</TD>
<TD ALIGN="left" VALIGN="top">to the Company to satisfy any tax withholding obligations of the Company or the undersigned upon the exercise or vesting of equity awards under any equity incentive plan of the Company, provided that any filing under
Section 16(a) of the Exchange Act that is required in connection with any such surrender of shares of Common Stock shall include a statement in such report to the effect that such surrender of shares of Common Stock is being made in connection with
the payment of taxes; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(vii)</TD>
<TD ALIGN="left" VALIGN="top">with the prior written consent of the Representative; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(viii)</TD>
<TD ALIGN="left" VALIGN="top">if the undersigned is a corporation, to any wholly owned subsidiary of such corporation, provided that the transferee agrees to be bound in writing by the restrictions set forth herein, provided, further, that any
filing under Section 16(a) of the Exchange Act that is required in connection with any such transfer shall include a statement in such report to the effect that such transfer is being made in connection with the transfer of shares to a wholly owned
subsidiary. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">For purposes of this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement, &#147;immediate family&#148;
shall mean any relationship by blood, marriage or adoption, not more remote than first cousin. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The undersigned now has and, except as
contemplated by clauses (i)&nbsp;through (viii) above, for the duration of the <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement will own the undersigned&#146;s shares of Common Stock, free and clear of all liens, encumbrances, and claims
whatsoever, except with respect to any liens, encumbrances and claims that were in existence on the date hereof. The undersigned also agrees and consents to the entry of stop transfer instructions with the Company&#146;s transfer agent and registrar
against the transfer of the undersigned&#146;s common stock, except in compliance with this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement. In furtherance of the foregoing, the Company and its transfer agent are hereby authorized to
decline to make or authorize any transfer of Common Stock if such transfer would constitute a violation or breach of this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">If the undersigned is an officer or director of the Company, (1)&nbsp;the Representative agrees
that, at least three business days before the effective date of any release or waiver of the foregoing restrictions in connection with a transfer of shares of Common Stock, the Representative will notify the Company of the impending release or
waiver, and (2)&nbsp;the Company will agree in the Underwriting Agreement to announce the impending release or waiver by press release through a major news service at least two business days before the effective date of the release or waiver. Any
release or waiver granted by the Representative hereunder to any such officer or director shall only be effective two business days after the publication date of such press release. The provisions of this paragraph will not apply if (a)&nbsp;the
release or waiver is effected solely to permit a transfer not for consideration and (b)&nbsp;the transferee has agreed in writing to be bound by the same terms described in this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement to the extent
and for the duration that such terms remain in effect at the time of the transfer. The undersigned acknowledges and agrees that the Representative may elect whether or not to grant any such release or waiver in its sole and absolute discretion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">With respect to the Offering only and for the duration of the <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period, the undersigned waives
any registration rights relating to registration under the Securities Act of the offer and sale of any Common Stock and/or any securities convertible into or exchangeable or exercisable for Common Stock, owned either of record or beneficially by the
undersigned, including any rights to receive notice of the Offering. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The undersigned understands that the Company, the Representative and
other underwriters party to the Underwriting Agreement are relying upon this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement in proceeding toward consummation of the Offering. The undersigned represents and warrants that the undersigned
has full power and authority to enter into this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement and that this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement has been duly authorized (if applicable), executed and delivered by the
undersigned. The undersigned agrees that the provisions of this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement constitute a valid, binding and irrevocable agreement of the undersigned and shall be binding also upon the successors,
assigns, heirs and personal representatives of the undersigned. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The undersigned understands that, if (i)&nbsp;the Underwriting Agreement
does not become effective, (ii)&nbsp;the Underwriting Agreement (other than the provisions thereof which survive termination) shall terminate or be terminated prior to payment for and delivery of the Common Stock to be sold thereunder (other than
any shares of Common Stock subject to any over-allotment option), (iii) the Registration Statement is withdrawn by the Company, (iv)&nbsp;the Company notifies the Representatives that it does not intend to proceed with the Offering or (v)&nbsp;the
Offering has not closed prior to September&nbsp;30, 2017, the undersigned shall be released from all obligations under this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement without any further action on part of the undersigned and this <FONT
STYLE="white-space:nowrap">Lock-Up</FONT> Agreement shall be of no further force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">This
<FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement shall be governed by and construed in accordance with the laws of the State of New York. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page Follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement] </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">The undersigned has caused this <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Agreement to be duly executed and effective as of the date
first written above. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>(if an individual):</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B>&nbsp;</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name (print)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Signature</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>(if an entity):</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name of Entity</TD></TR></TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Exhibit B - 4 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>3
<FILENAME>d814489dex31.htm
<DESCRIPTION>EX-3.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-3.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 3.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THIRD AMENDED AND RESTATED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATE OF FORMATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GUARANTY BANCSHARES,
INC. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares, Inc., a Texas for-profit corporation (the &#147;Corporation&#148;), pursuant to the provisions of
Section&nbsp;3.059 of the Texas Business Organizations Code (the &#147;TBOC&#148;), hereby adopts this Third Amended and Restated Certificate of Formation (&#147;Amended and Restated Certificate of Formation&#148;), which accurately states the text
of the Certificate of Formation of the Corporation and all amendments thereto that are in effect on the date hereof (collectively, the &#147;Former Certificate of Formation&#148;), as further amended by this Amended and Restated Certificate of
Formation as hereinafter set forth, and contains no other change in any provisions thereof, except that the name and address of the initial incorporator has been omitted in accordance with Section&nbsp;3.059(b) of the TBOC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE ONE </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">This
Amended and Restated Certificate of Formation amends and restates the Former Certificate of Formation. The amendments to the Former Certificate of Formation effected by this Amended and Restated Certificate of Formation (collectively, the
&#147;Amendments&#148;) delete each Article of the Former Certificate of Formation in their entirety. The full text of each provision altered or added by the Amendments is as set forth in <U>Exhibit A</U> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE TWO </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Each
new amendment made by this Amended and Restated Certificate of Formation has been made in accordance with the provisions of the TBOC and the governing documents of the Corporation and has been approved in the manner required by the TBOC and the
governing documents of the Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE THREE </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Former Certificate of Formation and all amendments thereto are superseded by the Amended and Restated Certificate of Formation attached as
<U>Exhibit A</U> hereto, which accurately states the text of the Former Certificate of Formation, as further amended hereby, except that the name and address of the initial incorporator has been omitted in accordance with Section&nbsp;3.059(b) of
the TBOC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE FOUR </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The Amended and Restated Certificate of Formation becomes effective upon filing with the Texas Secretary of State. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page Follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Amended and Restated Certificate of Formation] </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The undersigned signs this document subject to the penalties imposed by law for the submission of a materially false or fraudulent instrument.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: April&nbsp;19, 2017. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>GUARANTY BANCSHARES, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Tyson T. Abston</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tyson T. Abston</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Chairman and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit A </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THIRD AMENDED AND RESTATED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATE OF FORMATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GUARANTY BANCSHARES,
INC. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;I </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The name of the corporation is Guaranty Bancshares, Inc. (the &#147;Corporation&#148;). The file number issued to the Corporation by the
Secretary of State is 117467800. The date of formation of the Corporation was December&nbsp;6, 1990. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;II </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DURATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The period of
its duration is perpetual. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;III </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PURPOSES </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The purpose for
which the Corporation is organized is to transact any or all lawful business for which a for-profit corporation may be organized under the Texas Business Organizations Code, as such may be amended from time to time (the &#147;TBOC&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;IV </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CAPITAL STOCK </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>A.
<B><U>Authorized Shares</U></B>. The aggregate number of shares of capital stock that the Corporation shall have the authority to issue is 65,000,000 shares, of which 50,000,000 shares shall be common stock, with a par value of $1.00 per share (the
&#147;Common Stock&#148;), and 15,000,000&nbsp;shares shall be Preferred Stock, with a par value of $5.00 per share (the &#147;Preferred Stock&#148;). <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>B. <B><U>Preferred Stock</U></B>. The Board of Directors of the Corporation (the &#147;Board of Directors&#148;) is expressly
authorized to provide for the issuance of all or any shares of the Preferred Stock in one or more classes or series, and to fix for each such class or series such voting powers, full or limited, or no voting powers, and such distinctive
designations, preferences and relative, participating, optional or other special rights and such qualifications, limitations or restrictions thereof, as shall be stated and expressed in the resolution or resolutions adopted by the Board of Directors
providing for the establishment of such class or series as may be permitted by the TBOC, including, without limitation, the authority to provide that any such class or series may be: (i)&nbsp;subject to redemption at such time or times, on such
conditions and at such price or prices; (ii)&nbsp;entitled to receive dividends (which may be cumulative or non-cumulative) at such rates, on such conditions, and at such times, and payable in preference to, or in such relation to, the dividends
payable on any other class or classes or any other series of capital stock of the Corporation; (iii)&nbsp;entitled to such rights upon the dissolution of, or upon any distribution of the assets of, the Corporation; or (iv)&nbsp;convertible into, or
exchangeable for, shares of the same or any other class or classes of stock, or of the same or any other series of stock, of the Corporation at such price or prices or at such rates of exchange and with such adjustments; all as may be stated in such
resolution or resolutions adopted by the Board of Directors. <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>C. <B><U>Preemptive Rights</U></B>. No shareholder of the Corporation shall, by reason of
such shareholder&#146;s holding shares of any class of the Corporation, have any preemptive or preferential right to purchase or subscribe to any shares of any class of the Corporation now or hereafter authorized. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>D. <B><U>Cumulative Voting</U></B>. No shareholder of the Corporation shall have the right to cumulate such shareholder&#146;s votes at
any election for directors of the Corporation. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;V </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDEMNIFICATION AND INSURANCE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>A. <B><U>Mandatory Indemnification</U></B>. At any time during which this Article&nbsp;V is in effect, the Corporation shall indemnify
any person who was, is, or is threatened to be made, a party to a proceeding (as hereinafter defined) by reason of the fact that he or she (i)&nbsp;is or was a director or officer of the Corporation or (ii)&nbsp;while a director or officer of the
Corporation, is or was serving at the request of the Corporation as a director, officer, partner, manager, managing member, venturer, proprietor, trustee, employee, agent or similar functionary (each, a &#147;Corporate Functionary&#148;) of another
foreign or domestic corporation, partnership, limited liability company, joint venture, sole proprietorship, trust, employee benefit plan or other enterprise, in each of those capacities, against all expenses (including attorneys&#146; fees),
judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such proceeding to the fullest extent permitted hereunder and under the TBOC, as the same exist or may hereafter be amended (but, in
the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader indemnification rights than such law permitted the Corporation to provide immediately prior to such amendment), and such
indemnification shall continue as to a person who has ceased to be a director or officer of the Corporation or to serve in any of such other capacities at the time the indemnification or payment of expenses pursuant hereto is sought or at the time
any proceeding relating thereto exists or is brought. As used in this Article V, the term &#147;proceeding&#148; means any threatened, pending, or completed action, suit or proceeding, whether civil, criminal, administrative, arbitrative or
investigative, any appeal in such an action, suit or proceeding, any inquiry or investigation that could lead to such an action, suit, or proceeding. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>B. <B><U>Permissive Indemnification</U></B>. The Corporation may, in the sole and absolute discretion of the Board of Directors, also
indemnify any employee or agent of the Corporation against all expenses (including attorneys&#146; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with a proceeding to the fullest
extent permitted hereunder and by the TBOC, as the same exist or may hereafter be amended. <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-2 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>C. <B><U>Advancement of Expenses</U></B>. Each indemnitee under Section&nbsp;A of this
Article&nbsp;V shall have the right to be paid by the Corporation expenses (including, without limitation, attorneys&#146; fees) actually and reasonably incurred by such indemnitee in defending any proceeding in advance of its final disposition to
the maximum extent permitted hereunder and under the TBOC, as the same exist or may hereafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader advancement of
expenses than such law permitted the Corporation to provide prior to such amendment), subject to such written affirmation or undertaking as may be required to be furnished by the claimant under the TBOC and in the reasonable discretion of the Board
of Directors. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>D. <B><U>Indemnitee Rights</U></B>. The rights under this Article&nbsp;V shall be contractual and as such
shall inure to the benefit of any director or officer who is elected and accepts the position of director or officer of the Corporation or elects to continue to serve as a director or officer of the Corporation while this Article&nbsp;V is in
effect. In the event of the death of any person having a right of indemnification under the foregoing provisions, such right shall inure to the benefit of his or her heirs, executors, administrators and personal representatives. Notwithstanding the
other provisions of this Article&nbsp;V, to the extent that a director, officer or Corporate Functionary of the Corporation has been successful on the merits or otherwise in defense of any proceeding referred to in Section&nbsp;A of&nbsp;this
Article&nbsp;V, or in defense of any claim, issue or matter therein, such person shall be indemnified against expenses (including attorneys&#146; fees) actually and reasonably incurred by such person in connection therewith. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>E. <B><U>Determination of Indemnification</U></B>. Any indemnification under Section&nbsp;A or Section&nbsp;B of this Article&nbsp;V
(unless ordered by a court) shall be made by the Corporation only as authorized in the specific case upon a determination that indemnification of the director, officer, Corporate Functionary, employee or agent is proper in the circumstances because
such person has met the applicable standard of conduct set forth in the TBOC. Such determination shall be made (i)&nbsp;by the Board of Directors or a committee thereof by a majority vote of a quorum consisting of directors who are disinterested and
independent and were not parties to such proceeding, or (ii)&nbsp;if such a quorum is not obtainable, or, even if obtainable a quorum of disinterested and independent directors so directs, by independent legal counsel in a written opinion or
(iii)&nbsp;by the shareholders. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>F. <B><U>Nonexclusivity</U></B>. The rights conferred in this Article&nbsp;V shall not be
exclusive of any other right that any person may have or hereafter acquire under any statute, bylaw, resolution of shareholders or disinterested directors, agreement or otherwise, both as to action in such person&#146;s official capacity and as to
action in another capacity while holding such office. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">G. <B><U>Claims for Indemnification</U></B>. If a claim for indemnification
or advancement of expenses hereunder is not paid in full by the Corporation within sixty (60)&nbsp;days after a written claim has been received by the Corporation, the claimant may at any time thereafter bring suit against the Corporation to recover
the unpaid amount of the claim, and if successful in whole or in part, the claimant shall also be entitled to be paid the expenses of prosecuting such claim. It shall be a defense to any such action that such indemnification or advancement of costs
of defense is not permitted under the TBOC or Section E of this Article&nbsp;V, but the burden of proving such defense shall be on the Corporation. Neither the failure of the Corporation (including its Board of Directors or any committee thereof,
independent legal counsel or shareholders) to have made its determination prior to the commencement of such action that indemnification of, or advancement of costs of defense to, the claimant is permissible in the circumstances nor any actual
determination by the Corporation (including its Board of Directors or any committee thereof, independent legal counsel or shareholders) that such indemnification or advancement is not permissible shall be a defense to the action or create a
presumption that such indemnification or advance is not permissible. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>H. <B><U>Repeal or Amendment</U></B>. Any amendment, modification, alteration or repeal of
this Article&nbsp;V that in any way diminishes, limits, restricts, adversely affects or eliminates any right of an officer, director or Corporate Functionary or his or her respective successors to indemnification, advancement of expenses or
otherwise shall be prospective only and shall not in any way diminish, limit, restrict, adversely affect or eliminate any such right with respect to any actual or alleged state of facts, occurrence, action or omission then or previously existing, or
any proceeding previously or thereafter brought or threatened based in whole or in part upon any such actual alleged state of facts, occurrence, action or omission. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>I. <B><U>Definitions of Certain Terms</U></B>. For purposes of this Article&nbsp;V, (i)&nbsp;references to the &#147;Corporation&#148;
shall include, in addition to the resulting corporation, any constituent corporation (including any constituent of a constituent) absorbed in a consolidation or merger, which, if its separate existence had continued, would have had power and
authority to indemnify its directors, officers, employees or agents, so that any person who is or was a director, officer, employee or agent of such constituent corporation, or is or was serving at the request of such constituent corporation as a
director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, shall stand in the same position under the provisions of this Article&nbsp;V with respect to the resulting or surviving corporation
as such person would have with respect to such constituent corporation if its separate existence had continued; (ii)&nbsp;references to &#147;other enterprises&#148; shall include employee benefit plans; (iii)&nbsp;references to &#147;fines&#148;
shall include any excise taxes assessed on a person with respect to an employee benefit plan; and (iv)&nbsp;references to &#147;serving at the request of the Corporation&#148; shall include any service as a director, officer, employee or agent of
the Corporation that imposes duties on, or involves services by, such director, officer, employee or agent, including with respect to an employee benefit plan, its participants or beneficiaries. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>J. <B><U>Insurance</U></B>. The Corporation may purchase or maintain insurance on behalf of any Corporate Functionary against any
liability asserted against him or her and incurred by him or her in such a capacity or arising out of his or her status as a Corporate Functionary, whether or not the Corporation would have the power to indemnify him or her against the liability
under the TBOC or this Third Amended and Restated Certificate of Formation (this &#147;Certificate of Formation&#148;); <U>provided</U>, <U>however</U>, that if the insurance or other arrangement is with a person or entity that is not regularly
engaged in the business of providing insurance coverage, the insurance or arrangement may provide for payment of a liability with respect to which the Corporation would not have the power to indemnify the person only if including coverage for the
additional liability has been approved by the shareholders of the Corporation. Without limiting the power of the Corporation to procure or maintain any kind of insurance or arrangement, the Corporation may, for the benefit of persons indemnified by
the Corporation, (i)&nbsp;create a trust fund, (ii)&nbsp;establish any form of self-insurance, (iii)&nbsp;secure its indemnification obligation by grant of any security interest or other lien on the assets of the Corporation, or (iv)&nbsp;establish
a letter of credit, guaranty or surety arrangement. Any such insurance or other arrangement may be procured, maintained or established within the Corporation or its affiliates or with any insurer or other person deemed appropriate by the Board of
Directors regardless of whether all or part of the stock or other securities thereof are owned in whole or in part by the Corporation. In the absence of fraud, the judgment of the Board of Directors as to the terms and conditions of such insurance
or other arrangement and the identity of the insurer or other person participating in an arrangement shall be conclusive, and the insurance or arrangement shall not be voidable and shall not subject the directors approving the insurance or
arrangement to liability, on any ground, regardless of whether directors participating in approving such insurance or other arrangement shall be beneficiaries thereof. <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>K. <B><U>Witnesses</U></B>. Notwithstanding any other provisions of this Article&nbsp;V,
the Corporation shall pay or reimburse reasonable expenses incurred by any director, officer, employee or agent in connection with such person&#146;s appearance as a witness or other participation in a proceeding, by reason of the fact that such
person is a director, officer, employee or agent of the Corporation, at a time when such person is not a named defendant or respondent in such proceeding.<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>L. <B><U>Validity</U></B>. The provisions of this Article&nbsp;V are valid only to the extent that they are consistent with, and are
limited by, applicable laws and regulations, including, but not limited to 12 U.S.C. 1828(k) and regulations promulgated thereunder from time to time by applicable federal banking agencies. The invalidity of any provision of this Article&nbsp;V will
not affect the validity of the remaining provisions of this Article&nbsp;V. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;VI </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>LIMITATION OF LIABILITY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The personal liability of the directors and officers of the Corporation for monetary damages shall be eliminated to the fullest extent
permitted by the TBOC.&nbsp;No amendment, modification or repeal of this Article&nbsp;VI shall adversely affect the rights provided hereby with respect to any claim, issue or matter in any proceeding that is based in any respect on any alleged
action or failure to act prior to such amendment, modification or repeal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;VII </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SHAREHOLDER ACTION WITHOUT A MEETING </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Any action required to be taken by the shareholders at any annual or special meeting of such shareholders, or any action which may be taken at
any annual or special meeting of shareholders of this Corporation, may be taken without a meeting, without prior notice and without a vote, if a consent or consents in writing, setting forth the action so taken, shall be signed by every holder
of&nbsp;shares entitled to vote at such meeting and shall be delivered to the Corporation at its principal office. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;VIII </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REGISTERED OFFICE AND AGENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">The address of the Corporation&#146;s registered office is 201 South Jefferson Avenue, Mount Pleasant, Texas 75455, and the name of the
registered agent at such address is Randall R. Kucera. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;IX </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>A. <B><U>General</U></B>. The business and affairs of the Corporation shall be managed by or under the direction of the Board of
Directors. In addition to the powers and authority herein or by statute expressly conferred upon them, the directors of the Corporation are hereby empowered to exercise all such powers and do all such acts and things as may be exercised or done by
the Corporation, subject to the provisions of the TBOC, this Certificate of Formation and the Bylaws of the Corporation (as amended or restated from time to time, the &#147;Bylaws&#148;). <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>B. <B><U>Number of Directors</U></B>. Except pursuant to the provisions of Article&nbsp;IV hereof relating to the rights of the holders
of any class or series of stock having the right to elect a director by the vote solely of the holders of that class or series of stock, the number and class of directors of the Corporation shall be fixed from time to time by the affirmative vote of
a majority of the entire Board of Directors or pursuant to the Bylaws of the Corporation. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>C. <B><U>Classes</U></B>. The
directors, other than those who may be elected by the holders of shares of any class or series of stock having the right to elect a director by the vote solely of the holders of that class or series of stock pursuant to the terms of Article&nbsp;IV
hereof or any resolution or resolutions providing for the establishment of such class or series of stock adopted by the Board of Directors, shall be divided into three classes, with respect to the time for which they severally hold office,
designated Class&nbsp;I, Class&nbsp;II and Class&nbsp;III. Each class shall consist, as nearly as may be possible, of one-third of the total number of directors constituting the entire Board of Directors. The initial division of the Board of
Directors following the effective date of this Certificate of Formation shall be as follows: <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top">the Class&nbsp;I directors will initially consist of the following individuals, and their term shall expire at the annual meeting of shareholders to be held in 2019: </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="70%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="62%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bradley K. Drake</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Carl Johnson, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kirk L. Lee</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Clifton A. Payne</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top">the Class&nbsp;II directors will initially consist of the following individuals, and their term will expire at the annual meeting of shareholders to be held in 2020: </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="70%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="62%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Johnny O. Conroy</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ricky Baker</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arthur B. Scharlach, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tyson T. Abston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top">the Class&nbsp;III directors will initially consist of the following individuals, and their term will expire at the annual meeting of shareholders to be held in fiscal year 2018: </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="70%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="62%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James S. Bunch</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Christopher B. Elliott</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weldon C. Miller</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">William D. Priefert</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">201 South Jefferson Avenue</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Mount Pleasant, TX 75455</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>D. <B><U>Advance Notice of Nominations</U></B>. Advance notice of nominations for the election of
directors shall be given in the manner and to the extent provided in the Bylaws of the Corporation. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>E. <B><U>Terms of
Office</U></B>. A director shall hold office until the annual meeting of shareholders for the year in which his or her respective term expires and until his or her respective successor shall be elected and shall be qualified or until his or her
earlier death, resignation, retirement, disqualification or removal from office. <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-7 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>F. <B><U>Election of Directors</U></B>. Subject to the rights of the holders of any class
or series of stock having the right to elect a director by the vote solely of the holders of that class or series of stock, (i)&nbsp;at each succeeding annual meeting of shareholders beginning in 2018, successors to the class of directors whose term
expires at that meeting shall be elected for a three-year term and (ii)&nbsp;if the number of directors is changed, any increase or decrease shall be apportioned among the classes so as to maintain the number of directors in each class to as nearly
as possible to one-third of the total number of directors, but in no case will a decrease in the number of directors shorten the term of any incumbent director. As determined by the Board of Directors, the annual meeting of shareholders should be
held each year, to the extent practicable, to ensure that the terms of office of shall be approximately three (3)&nbsp;complete years in length. Each director shall be elected by the vote of a majority of the votes cast by the holders of shares
entitled to vote at any meeting for the election of directors at which a quorum is present, provided that if the number of director nominees exceeds the number of directors to be elected at such a meeting, the directors shall be elected by a
plurality of the votes cast by the holders of shares entitled to vote at such meeting at which a quorum is present. For purposes of this paragraph, (i)&nbsp;a majority of the votes cast shall mean that the number of shares that voted &#147;for&#148;
the election of a director exceeds the number of shares voted &#147;against&#148; that director, and (ii)&nbsp;abstentions and broker non-votes shall not be counted as votes cast either &#147;for&#148; or &#147;against&#148; the election of any
director. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>G. <B><U>Vacancy</U></B>. Subject to the rights of the holders of any class or series of stock having the right
to elect a director by the vote solely of the holders of that class or series of stock, any vacancy on the Board of Directors occurring between annual meetings of shareholders, including up to two (2)&nbsp;newly created directorships, may be filled
by election at an annual or special meeting of the shareholders called for that purpose or by the affirmative vote of a majority of the Board of Directors then in office, even if less than a quorum. Any director of any class elected to fill a
vacancy resulting from an increase in the number of directors in such class shall hold office for a term ending with the next election of directors. Any director elected to fill a vacancy not resulting from an increase in the number of directors
shall have the same remaining term as that of his or her predecessor. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman"><B></B>H. <B><U>Removal of Directors</U></B>. Subject to
the rights of the holders of any class or series of stock having the right to elect a director by the vote solely of the holders of that class or series of stock, any director may be removed from office only for cause and only by the affirmative
vote of the holders of a majority of the combined voting power of the then outstanding shares of stock of all classes and series of the Corporation entitled to vote generally in the election of directors (&#147;Voting Stock&#148;), voting together
as a single&nbsp;class. <B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;X </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BYLAWS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">In furtherance
and not in limitation of the powers conferred upon it by law, the Board of Directors is expressly authorized to adopt, repeal, alter or amend the Bylaws of the Corporation or adopt new Bylaw provisions by the vote of a majority of the entire Board
of Directors. In addition to any requirements of law and any other provision of this Certificate of Formation or any resolution or resolutions of the Board of Directors adopted pursuant to Article&nbsp;IV of this Certificate of Formation (and
notwithstanding the fact that a lesser percentage may be specified by law, this Certificate of Formation or any such resolution or resolutions), provisions of the Bylaws of the Corporation may be adopted, repealed, altered or amended by the
shareholders of the Corporation only by the affirmative vote of the holders of two-thirds or more of the combined voting power of the then outstanding shares of Voting Stock, voting together as a single class and cast at a meeting of the
shareholders called for that purpose (provided that notice of such proposed adoption, repeal, alteration or amendment is included in the notice of such meeting). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-8 </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>ARTICLE&nbsp;XI </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXCLUSIVE JURISDICTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:7%; font-size:10pt; font-family:Times New Roman">Unless the Corporation consents in writing to the selection of an alternative forum, the sole and exclusive forum for (i)&nbsp;any actual or
purported derivative action or proceeding brought on behalf of the Corporation, (ii)&nbsp;any action asserting a claim of breach of a fiduciary duty owed by any director or officer of the Corporation to the Corporation or the Corporation&#146;s
shareholders or creditors, (iii)&nbsp;any action asserting a claim against the Corporation or any director or officer of the Corporation arising pursuant to any provision of the TBOC, the Certificate of Formation or the Bylaws of the Corporation (in
each case, as they may be amended from time to time), or (iv)&nbsp;any action asserting a claim against the Corporation or any director or officer of the Corporation governed by the internal affairs doctrine, shall be a state court located in Titus
County in the State of Texas (or, if such state court does not have jurisdiction, the federal district court of the Eastern District of Texas (Texarkana Division). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-9 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>4
<FILENAME>d814489dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g814489g03x41.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">812&nbsp;SAN&nbsp;ANTONIO&nbsp;STREET</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUITE
600</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">AUSTIN, TEXAS&nbsp;&nbsp;78701</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">TEL&nbsp;&nbsp;&nbsp;&nbsp;512&nbsp;&#9679;&nbsp;583&nbsp;&#9679;&nbsp;5900</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">FAX&nbsp;&nbsp;&nbsp;&nbsp;512 &#9679; 583 &#9679; 5940</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;1, 2017 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty
Bancshares, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">201 South Jefferson Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mount Pleasant,
Texas 75455 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">Re:</TD>
<TD ALIGN="left" VALIGN="top">Guaranty Bancshares, Inc. </TD></TR></TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Registration Statement on Form
<FONT STYLE="white-space:nowrap">S-1</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as special counsel to Guaranty Bancshares, Inc., a Texas corporation (&#147;Company&#148;), in connection with the preparation
and filing of the Company&#146;s Registration Statement on Form <FONT STYLE="white-space:nowrap">S-1</FONT> (Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-217176),</FONT> as initially filed with the Securities and Exchange Commission
(&#147;Commission&#148;) under the Securities Act of 1933, as amended (&#147;Securities Act&#148;), on April&nbsp;6, 2017 (and, as thereafter amended, the &#147;Registration Statement&#148;), relating to the registration of the offering for sale of
an aggregate amount of 2,300,000 shares (&#147;Shares&#148;) of the Company&#146;s common stock, par value $1.00 per share (&#147;Common Stock&#148;), which includes 300,000 shares subject to the underwriters&#146; over-allotment option. This
opinion is being furnished in accordance with the requirements of Item 601(b)(5) of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> of the General Rules and Regulations under the Securities Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with rendering the opinion set forth below, we have examined and relied upon originals or copies, certified or otherwise
identified to our satisfaction, of (a)&nbsp;the Registration Statement; (b)&nbsp;the Certificate of Formation of the Company, as amended to date and currently in effect; (c)&nbsp;the Bylaws of the Company, as amended to date and currently in effect;
(d)&nbsp;the Underwriting Agreement in substantially the form filed as Exhibit 1.1 to the Registration Statement, pursuant to which the Shares are to be sold; and (e)&nbsp;certain resolutions of the Board of Directors of the Company relating to the
transactions described in the Registration Statement. We have also examined originals or copies, certified or otherwise identified to our satisfaction, of such records of the Company and such agreements, certificates and receipts of public
officials, certificates of officers or other representatives of the Company and others, and such other documents, certificates and records as we have deemed necessary or appropriate as a basis for the opinion set forth below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In our examination, we have assumed the legal capacity of all natural persons, the genuineness of all signatures, the authenticity of all
documents submitted to us as originals, the conformity to original documents of all documents submitted to us as facsimile, electronic, certified or photostatic copies, the authenticity of the originals of such copies, and the accuracy and
completeness of the corporate records made available to us by the Company. As to any facts material to the opinions expressed herein that we did not independently establish or verify, we have relied upon statements and representations of officers
and other representatives of the Company and others and of public officials. In addition, we have assumed that the Registration Statement and any amendments thereto, have become effective under the Securities Act. </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g814489g73l80.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Guaranty Bancshares, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;1, 2017 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 2 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon and subject to the foregoing, we are of the opinion that the Shares when issued, sold, delivered and paid for as contemplated by
the Registration Statement, will be validly issued, fully paid and nonassessable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion is based on the laws of the State of
Texas, and we express no opinion on the laws of any other jurisdiction. No opinion may be inferred or implied beyond the matters expressly stated herein. This opinion speaks only as of its date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to the reference to our firm under the caption
&#147;Legal Matters&#148; in the Registration Statement. In giving this consent, we do not thereby admit that we are included in the category of persons whose consent is required under Section&nbsp;7 of the Act or the rules and regulations of the
Commission. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP</TD></TR>
</TABLE></DIV>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>5
<FILENAME>d814489dex232.htm
<DESCRIPTION>EX-23.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Consent of Independent Registered Public Accounting Firm </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We hereby consent to the use in this Amendment No.&nbsp;1 to the Registration Statement (Form S-1/A No.&nbsp;333-217176) of our report dated March&nbsp;1,
2017, relating to the consolidated financial statements of Guaranty Bancshares, Inc., which is incorporated in the Prospectus that is part of this Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We also consent to the reference to us under the caption &#147;Experts&#148; in the Prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ Whitley Penn LLP </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dallas, Texas </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;1, 2017 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>g814489g03x41.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g03x41.jpg
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M P,# P,# P,# P,# P,# P,# P/_P  1"  K 9<# 1$  A$! Q$!_\0 R0
M @(" P$! 0            8'" 4) P0* 0(+ 0$! 0 " P$!
M 0(#!P4&" 0)$   !@(!! $" P()!PT!   ! @,$!08'"  1$A,)%"$5,2(6
M(Q<R))>W&"AH&:E!,R76.5D*<;%"8W/3==4F)U=8F"H1  $# 04$!@,,!P,-
M      $ $0(#(3$2! 5!41,&87&1(C('@:$4\+'!0E)R([.T%:4W,W-D)646
M)N$V%]'Q8I+20Y/3))155@C_V@ , P$  A$#$0 _ +6K![*]R/8SNY@+7'=#
M(>-6>)\F95L$?#V?,N2JU4(FG1622U6/@:XTJK"P&:_!/)(@D@#=) B!!Z&
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MV[+K6(6S%BO(^+(9M9I&MS%Q@V$:E>:O8*^X+XE'3<CE!R(=O80AQ6APRB9
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M8 RG7WU&NN<L[Y@QO.PU!J-J9N(6U2%7IE >3,_;;$$,Z6(R^J":2QBG. =
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M.GUZ\-8ZUC^DX?0_K7VF6E.X0[B739*,"M[';Z\*"BQ5S&/4K7-591UWE33
M"/E(<5BDZ=4RJ 41$0ZB(9(3QA^DCL)"A^K[#1]BA8]ZXJTA"S;VZP%9&OO)
M!LJH:!M-O=56 N\>_10\$E"/3-#F.0I2*MW22K53M.0#'IBRX89@2B"01+$
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M&LHF4<-5XMQ$/(^9D6J!'DXPD&ZX*.$W1U06=))+FZK)D.%Q':N.-"C @PB
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DX1'"(X1'"(X1'"(X1'"(X1'"(X1'"(X1'"(X1'"(X1'"+__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g814489g09h21.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g09h21.jpg
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M 0$! 0$! 0$! ?_  !$( 28!Y ,!$0 "$0$#$0'_Q  >  $  @,  P$!
M        !@@%!PD" P0!"O_$ $D0  $$ @$! P@'!@0% P('  4" P0& 0<
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M:!HS9VQ*=6[2S/ RTT]!:OL6.P6$02K%/"GWCA=G#K0]+I0"]\[9&WB1R^?
M>*W5TS[7MUV#&J#LH<;SMO4J:\%VJ:6%@0ZPJQ6BN"KW7@T.P!5HJMEMT6@6
M>ID+XY165U,;82$E W$ ;,#Q%$/IRS_[?15@WW8>HJC]471_K$?U)7(35^J3
M<74+7K"-KU$TAYFE4S7^C=E[:H(ZFS+5JJT%\FFY53 C;66M)"S,EV'3'JJ
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M07>Z.<Q R$N54,8*EK"!%Y%V$00P2.5*5.A6L- ]$F/>F%JS,&$HEA'1_.3
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MY*.V3I4NE=K5EKFI; ($4RPTK:U7(ZS<1+D#B;=U$;/CU\.NPG7R)E(S-NV
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M2A=HI5-FILPN7:VPE3L5E)UD2/L;3,:P%@9!E\[CM]\N/@J!JZ%>H$"OJ?O
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MR*"%CI)9''1C&EQMGED"5BYS6-<]QLUH+G'0 7)Z+F+I;2VY-RW(UMW:Y6Q
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M<82E.,)2E.,8PG&,=F,8QCV8QC'LQC'LQCA1?O")PB<(G"*.7']T;3_3AO\
MMDKE'$>8^JAX'R/T7A2OW-J7],@?[5%X/$^9^J#@/(?12;D53A$X1.$3A$X1
M.$3A$X1.$3A%4K=3KNX-AUKIR%.N9KC+<"_[QF1UJ2EFGP9B':Y2%O-YQYN9
M=3##;DR/AQF6T"A+EMX=C/N)S\SVL<[:G'</V#IW$T#&PXWMA*PFS<+AE!H,
M'<X?ADQ>J8'2LWF2MHX3*T.C>X'1J/YQ*RD:?@%I:DCDP'X([ZR.S(N"&C>%
MQ<*V+333#3;##;;+++:&F66D);:::;3A#;;;:,80AM",82A"<82E.,)3C&,8
MQSZ4UK6-:QC0UC&AK6M #6M:+-:T#(    #(#(+>7LYDB<(G")PB<(G")PBC
MMKJ-8O(*=6;@"&V,"1;\W+%E8K<J,YV8SW'487CO,26<Y[\:7'4U*BNX2]'>
M:=2E>-#$L+P[&*.;#\4HZ>OHIQ:6GJ8VR1NT< <V2,.<<K"V2-UG,<UP!6#V
M,D:62-#FGB#P_N.A&8Y*L?T/W%T^?ZC6;Q+<FI8_M>U=8"/G-A5&$G/:K&OK
M1,SGZ0#H;/;B-5CR\RTLQV80N:Y(?<=Q\^_5>U.Q'Q[/NGVJV9CS=L[6SWQS
M"X1Q&!XA+_YZ")N4>'5KO:AC&14\KGO<Y:?LYZ7]C>> <87'^58/\T\_B:.3
M'9BUFDDY;RUIMVB;:&2)]/+Y>ECG/1CU<)L."K369Z5*0Z/L("7W)XV2T\AQ
MGOK;7$D.-.9ARI+:?.<]AL_M1@VTU.^;"JK?E@=[.MH*ACJ;$</F!+705U%+
M::GD:\.9<M,3W-=[*21HNMF&>.<78[,?B8[X9&'1[3F#?+0\B5LSGH%S)PB<
M(G")PB<(G")PB<(G")PB<(G")PB<(G")PB<(G")PB<(G")PB<(G")PB<(G")
MPB<(N-WE,:VRNX@KJS5)AJ:!U!8FI,^?4-#V"NM0TG'71C$:5MWI\WY8,$7;
M%(& 98ZA1ZN0F$[?2!ZE'B98*@.63>VOY$</G]5V1X6*]+\B/%:4_)?9C,HR
MC"GGW4,M)RXM+;>%..*2C&5N+0VC&<XRI:DI3VJ5C&2+R>>9CLNR)#K;###:
MWGGWEI:99:;3E;CKKB\I0VVVC&5K6M6$I3C*E9QC&<\(O5F;#PW&=S+C8:FK
M:;AN9?:PW+6^C+C*(R\K[KZWFTJ<:2UE>7$)RM&,IQG/"+Z>$4<N/[HVG^G#
M?]LE<HXCS'U4/ ^1^B\*5^YM2_ID#_:HO!XGS/U0<!Y#Z*3<BJ<(G")PB<(G
M")PB<(G")PB@6S]A!=5T.R7P]WEP@ ];[4-K/9**DGE)C"0T+'8K*II<D]%'
MQ<=U6$NR$N+[&T+5CI=H<<I-G,&K\9K;F&BA+VQ-_:5,[B(Z:EA%C>:IG?'!
M'D0'/#C\()'%-*V")\K^#1P'%QX!H\7&P'9:_P"GK7IJGU0A9[OW7MH[0*KN
M^PY/9GMB$9S>,"JO'RI3BFAM0$Y8#0XJ77&&7VYSD=6&Y&,<Z78?!*O"\,FQ
M#&+.VCVBJ#B^.R<XJB9O\WPZ.Y)93X73%E)%$'.8Q[9G1G=>N.EB=&PODSFF
M=[24Z$_A8/"-OP@<.-LEOWGM%LIPB<(G")PB<(G")PB<(G"*IO4WJ%X]79^P
MM7ULTWO@4W#B5:R4<U"JA]]E^7'8EQCY"5*AP30%B!YYQX>3Q)>6AM$6"Y$P
M^ZZGYI^D+9=U=0S8WL]05;=LJ811X=7X/5Q896O:^6-DL=;/))%%5T;(-XN@
MJ/:.(:(H3&'O<M*L@+F&6%CO>18,?&X1N-R+AY-@YH&=G7X6!%[KX.EK95H:
M"#-([F@$JSN.G@V76(AY^/(=N5/;4MH8>$DX\N9%,R1L="!9WS$N3);DQ,S)
M*LN/2T1>']'6T&("EI]D=JX:C#]JL+HV/9%6O8]V*X6TEE/6TM1')+'5/IV
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M$O$K*<>RI<JQVLL[F=83TMUSM>==($77E,^?6XZS#1%BY6I,='-O979^+9G
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MM7A#7_JZM</Y"M@/Q2X1BK6V,^'U68&]=])*[WB @^T;)JU$#GELL1#*B/\
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MT(E+%N>=2EWOP'Y+D1?G$I<[S6>^G"NW'"Q6$V;8Y :MGH[-7LQU,JM',JE
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MJ]G9G*PU'KV2YT/IW7-/=%T@1-S6]HOU ]1M0Z@O2I8?5?3O4M2QC6J-BUR
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M(;VC4J^^-UR/G(F39NR2W?%2:$#)R&(J)L=JTQ24)NR38L ?#KL&5;SR0X2
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MN@R4T6M#:%N.+2VVVE2UK6K"4(0G&5*6M2LX2E*4XSE2LYQC&,9SG/9SMR0
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MM[':7!P3:PGK(J1Q)Y;M4877\+7OEQ63:NF=PFC^;@W_ (K+ [+Z_ND34AJ
M N>YPJ2!0-'/PEU@19KV->%RID^ R[DS1PEA$-/JDC):5079R)S;:&GW8Z&)
M,9QW6Q7](FQN#3QT]=CD DF@;4Q^ZP5>(1.A>^2-KO;T%/4P!Q=$\>S,@D
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M"S"'4)6ME3B>YW_(';N&O)CV7P3&-I7W+14P4YP[" X9$/Q7$1!%QX&&.<.
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M [8K$=(1100&$%179Q,L6)SG6(8\:/AL/2ILV4\U'C1VG'GG$(0I6(2&@EQ
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M*AMB+$BQVT-MMH3C]F5*RI:E*SM-:UK0UH#6M   %@ .  6VUK6-:QC0UK0
MUH%@ .  4IY5DG")PB<(G")PB<(G"*.7']T;3_3AO^V2N4<1YCZJ'@?(_1>%
M*_<VI?TR!_M47@\3YGZH. \A]%)N15.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$
M3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A%X
M-M-LMH:9;0TTVG"4-MH2AM"<?L2A"<82E./X8QC&,<(O/A$X1.$7J?88DM.,
M266I##J<H=9?;0ZTXC/[4N-N84A:<_Q2K&<9_P#'"+DSI[R*W0QI#K4MO6W2
M=>^CW(RE@K3==2$0'-7:HODIZ:Y9[]K^N)B(P,,&DO15B8+SKXJDS%%Y=3BC
M<313%?TV4-/'.Z=K?B.8;^XQW-S1R)Y<FY[MKBVC'A]-'4.J&L^(YM9EN,=S
M<QMLB>7$--]VV5NM?-Q;R<(G")PB<(G")PB<(G")PB<(HI>!]Q*U0T.U]9PM
M,N4J*EL#9[#5'[P%#R\/LK7)(52-9:<^:95&2^QB*W9A"DN.H?\ 2%89RRZ1
M>VFP;6,JX.!>;$)MMOB0&F;!905:>IP<R23V^>G#JO(L%K?!QG>U/<@.V,PI
MKLSVS7>WV$4FX1:WV5!NLRO&\58[7!D;Z.FD3(ABH%+',FNJ@R.YB#)'W.M(
MAY4WVM80Y!(*4ZI+F,]F/,JHM<>8SOP]"H;V-M#R4<J0?;Z*K64)N^O8Z45\
M,G#$C5=E6^SA(Z-C#+R_%YCO/-XQW'%>89[RTJSYIOM[F*;7.1XGF.R@O89C
M@.7]ZD'JG<'V\UQ^%-E_6/DRT/4=E<]1T/=/5.X/MYKC\*;+^L?&6AZCLF>H
MZ'NGJG<'V\UQ^%-E_6/C+0]1V3/4=#W3U3N#[>:X_"FR_K'QEH>H[)GJ.A[J
M.!W=U$C%M&OVW7,5BNEAXZ'*SJFTYP39F5T.9<DI[^WT(QAB22>@YPTMU/;%
MSE2DN96VAEEQZCLF>?#H>ZD?JG<'V\UQ^%-E_6/C+0]1V3/4=#W3U3N#[>:X
M_"FR_K'QEH>H[)GJ.A[IZIW!]O-<?A39?UCXRT/4=DSU'0]T]4[@^WFN/PIL
MOZQ\9:'J.R9ZCH>ZCAQW=0HG3H,>VZZF-66QR@LZ1C5-IQ@5%8J-IL2)ZNYM
M]:<I<F@(8OL>4TWWB2<X<R[AIIVY9Y'+Q&H&GBIGEF,_ Z$Z^"D?JG<'V\UQ
M^%-E_6/DRT/4=E<]1T/=/5.X/MYKC\*;+^L?&6AZCLF>HZ'NGJG<'V\UQ^%-
ME_6/C+0]1V3/4=#W3U3N#[>:X_"FR_K'QEH>H[)GJ.A[KQ6+W"E*E8O>N,Y2
MG.<8\*;+[>S&<]G_ +Q_QXRT/4=DSU'0]U@*BO=5CJ=8L,VW:Z%S#M>"F98U
M6J;3E0Z24&QIK\%67=OM.Y5$=?7'SEUIMS.6_KMH5VIQ38$BQR\1V4%R ;C/
MP/=2'U3N#[>:X_"FR_K'R9:'J.RN>HZ'NGJG<'V\UQ^%-E_6/C+0]1V3/4=#
MW3U3N#[>:X_"FR_K'QEH>H[)GJ.A[IZIW!]O-<?A39?UCXRT/4=DSU'0]U'!
MSNZIMDL@1VVZZ8BA(X)Z+/SJJT]V>HLS.=D(3A6WTMX]#5%;1GS;CF<^>QW\
M(SW<*9:'J.R9ZCH>ZD?JG<'V\UQ^%-E_6/C+0]1V3/4=#W3U3N#[>:X_"FR_
MK'QEH>H[)GJ.A[IZIW!]O-<?A39?UCXRT/4=DSU'0]T]4[@^WFN/PILOZQ\9
M:'J.R9ZCH>ZCE@=W4'D5EF-;=<S4G+(P%EKQJFTX]7Q719:>J>KS>WUXRE#P
M]F/V.9;;[9..US"L(2IEH>O]RF>68S\#H3KX*1^J=P?;S7'X4V7]8^,M#U'9
M7/4=#W3U3N#[>:X_"FR_K'QEH>H[)GJ.A[IZIW!]O-<?A39?UCXRT/4=DSU'
M0]T]4[@^WFN/PILOZQ\9:'J.R9ZCH>Z>J=P?;S7'X4V7]8^,M#U'9,]1T/=1
MNFN[JLM1JUBG6W70J:>KH4S+&*U3:<J'228V--?@JR]M]IW*HCKZF,Y=:;<S
MEOZ[:%=J<#;QZCL@OX=#W4D]4[@^WFN/PILOZQ\9:'J.R9ZCH>Z>J=P?;S7'
MX4V7]8^,M#U'9,]1T/=/5.X/MYKC\*;+^L?&6AZCLF>HZ'NGJG<'V\UQ^%-E
M_6/C+0]1V3/4=#W4<BN[J?MQRNKMNNFX0JN58U'*>%-I[LR4?)W&#,@8QG;^
M&L*&M5J#(5E#JW,X*I\ZVTG#*G;E:]CSYCE;P\5,[VN.7(\[^/@I'ZIW!]O-
M<?A39?UCY,M#U'97/4=#W3U3N#[>:X_"FR_K'QEH>H[)GJ.A[IZIW!]O-<?A
M39?UCXRT/4=DSU'0]T]4[@^WFN/PILOZQ\9:'J.R9ZCH>ZCEF=W4#C"WXMNU
MR05/L=>"NMIU5:<>CQC):*/DSL^;V^YG*8++ZY.<*PEO.&^QQQM/:K#+QY\Q
MV3/PY<CW4C]4[@^WFN/PILOZQ\9:'J.R9ZCH>Z>J=P?;S7'X4V7]8^,M#U'9
M,]1T/=/5.X/MYKC\*;+^L?&6AZCLF>HZ'NGJG<'V\UQ^%-E_6/C+0]1V3/4=
M#W3U3N#[>:X_"FR_K'QEH>H[)GJ.A[J.5%W=5BK@HU-MNNADJ>PMUZ K5-IR
MJ,I#[K6$9R[M]ISVI;POZS:<_6_9V=F<C;QZCLH+D W&?@>ZD?JG<'V\UQ^%
M-E_6/C+0]1V5SU'0]T]4[@^WFN/PILOZQ\9:'J.R9ZCH>Z>J=P?;S7'X4V7]
M8^,M#U'9,]1T/=/5.X/MYKC\*;+^L?&6AZCLF>HZ'NJM[NW+U&ZLM8^O@8U
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M<$S5/F>K;@$9CFI,*6V:J)/_ -+M0A^.T2KA3"AAF+"G)5'P5L=%NZO6 ';
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M'%K!3+GT^;9U4C_EIZ4>K8;MUZLCLWZH5K&Q]C2&K+L'9DJJT%JPQ40JW5J
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M[RG7UUV49@%X$"KU^A:ZO&RC48^::EB63<P5KRKW"T!ZV)'S"3]HL(X'-E1
M69\ =#*F"8T&4*@77'&UZ"L,776T<:KUAMVUU/=/DY>I[IZU\(L>I+E03C_4
M?L[;UYM]RD6G7EB%QS>F*QO&Z;+0>%$;G! U,!5Z2ITJ5@A(5;DDRROF.5G
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MH3R<$^M:[BZO!;1H,&OM=.M"U0R:;T/';MM8VI0-6W_53>WM>%&=D--5$==
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M/7+Q^\LEM@5TDEA&A^EW2478E?2CIKN&J3V#WAO)Q%NP35#$N /#NU]N_M8
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M+$UT<#)?72WK?JKX5N+8886''M9D6?L"/25$2P4$_614E;LM]YA$ '*.665
MCQ(KC$-"))XI(=]'S(>E+<>5A)19SA$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X
A1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A$X1.$3A%__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g814489g13s67.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g13s67.jpg
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M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!_\
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MB.41^0LCFR[,4&*)/)M+"7!L$V'-;P#_ /6-^_GPP^<7XJ;VKG=@%O,>0V5
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MO6AQ&MU8L"J.D4WJ^LCL^B]<8U>M#B-;JQ8#I%-ZOK([/HO7&-7K0XC6ZL6
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M11>C#!: 'O 46^?&G7GS6L?]Z@>3N?-=S(WKD^]$DY!(P!@# & , 8 P!@#
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M^"GY?^#_ )^D?NBOFW4>ET/.+U(C</S[5+*, 8 P!@# & , Q22R(RN7Q>Y
M5@Z<4$/>7ZT&!ZA$'FC!Q CBLQD4.C<I"!BD\F=E;7*X+ ;<?$*1?*)%"9G"
M83&])*]4JG).[.$TCKZ)RX=F[9CNMDSL$IO%##UUSA-4S%+)YBS<1<,A#LZI
M'9^C9MO3>_;<7\(;HTZT4Y-+7&8M3)D6;I:^DEE,K(UJH4P3-8)UCBM.T!99
M]6SE;]<_?81XFAW&!Y9N"F. LY% #976NJ'12%R?Q+(MI(Z\$?2PY6F0XKQ.
M_,'!3'^)I2!1(CSMO,94V*V,:DPJQHXBD86?7ONWW<_P:L+K."9CO9CC+@1=
M I0%2"OZ$0.H)@L5+G5;=[75Z!+Q"2!N4*S#0G1UZF?B_2=8TC#&WF1H)5(&
M !Z-WVYN0.6Z]X;O?\9DUS$J>"MR%;9%T1)2;B\\\6@=6IY4J2PZ-@>E^EQB
M1Y2%'",/[PDFR"D^BBN^ [1P_P /62E)[=J_'A9VF%L]VQR[/?<5?S>WO.U;
M]GI/[3Y%ESQ61-MZP>8YO;WG:M^STG]I\67/%9"V]8/,<WM[SM6_9Z3^T^++
MGBLA;>L'F.;V]YVK?L])_:?%ESQ60MO6#S'-[>\[5OV>D_M/BRYXK(6WK!YC
MF]O>=JW[/2?VGQ9<\5D+;U@\QS>WO.U;]GI/[3XLN>*R%MZP>8YO;WG:M^ST
MG]I\67/%9"V]8/,<WM[SM6_9Z3^T^++GBLA;>L'F.;V]YVK?L])_:?%ESQ60
MMO6#S'-[>\[5OV>D_M/BRYXK(6WK!YCF]O>=JW[/2?VGQ9<\5D+;U@\QS>WO
M.U;]GI/[3XLN>*R%MZP>8YO;WG:M^STG]I\67/%9"V]8/,<WM[SM6_9Z3^T^
M++GBLA;>L'F.;V]YVK?L])_:?%ESQ60MO6#S'-[>\[5OV>D_M/BRYXK(6WK!
MYCF]O>=JW[/2?VGQ9<\5D+;U@\QS>WO.U;]GI/[3XLN>*R%MZP>8YO;WG:M^
MSTG]I\67/%9"V]8/,U'>Z/!=@\:EXA?#6\]UTY1#G9K4G4I6\8NCN(;+YL0L
M4K%)8=$\F$>C5)NQ&Z&(.P@$$ ?B?X5/E]X0_P 6H_==1*W7NE4W.'U(2R'/
MSXU"^CN:H7<7&S2(6(UN(==J)[S0UV3J53>#>JNF^SN<)T:I&I,T)/RH2N34
ME^"=LL8O# $0!?H?P4?+_P 'Y_\ 'I'[HT@;=1Z50\XO4B-MCF]O>=JW[/2?
MVGS[6LN>*R+);>L'F.;V]YVK?L])_:?%ESQ60MO6#S'-[>\[5OV>D_M/BRYX
MK(6WK!YCF]O>=JW[/2?VGQ9<\5D+;U@\QS>WO.U;]GI/[3XLN>*R%MZP>8YO
M;WG:M^STG]I\67/%9"V]8/,<WM[SM6_9Z3^T^++GBLA;>L'F.;V]YVK?L])_
M:?%ESQ60MO6#S)(R"1@# & 1L^?&G7GS6L?]Z@>3N?-=S(WKD^]$DY!(P!@#
M & , 8 P!@# & , 8 P!@# & , 8 P#3E[IG^7)?7[4AO\MH;GQ1\*GR^\(?
MXM1^ZZB5JO=+IN</J0EB.?GQJ%_/<O\ \NFB/[38/\J)WGZ'\%/R_P#!_P _
M2/W17S;J/2Z'G%ZD1N'Y]JEE& , 8 P!@# & 0J7Q'42:G?E0+6A6R8N_FQB
M0"V])P#:7=/'G&7G@6%#V$TMO(A[,]S$YZ\#;*5$&-\E(W + RNC@D K=IL2
M"OSC(VIGE;&X+XCRVY(0G7D"TT 2KW9H6'*3MBT1S=O>6!_8W)04:80W/K"^
M,BXQ.ZM#BD3 4XAO*H'+3!S*Q(L>*3K H&0L+F4$Y8I-619O3:$0/P3DA*]P
MG<#0-BI<!,E=%T]@J1O.4J)G&2W4)%4Q">PR?HU;A"I*T29"A4D)5*MH5EJR
M #5MZ)X0&@,+WX)R-T9G)N>F=P(V8@>&9Q0.S6I5MRQ,I- Z-\^-.O/FM8_[
MU \G<^:[F1O7)]Z))R"1@# & , 8 P!@# & , 8 P!@# & , 8 P!@&G+W3/
M\N2^OVI#?Y;0W/BCX5/E]X0_Q:C]UU$K5>Z73<X?4A+$<_/C4+^>Y?\ Y=-$
M?VFP?Y43O/T/X*?E_P"#_GZ1^Z*^;=1Z70\XO4B-P_/M4LHP!@# & , 8 P#
M'+8O"+:5O#E[_+GRL6":R!/9$62.S 1)7E'Y#6+44_J-$D7D.B1LV%17:.5-
M,ACS2D!I"\. )^F5N+.988W2.B9X=^_OP. CX()'&6680]GE)#S%YI%;XJ 2
MM0N7-\D:JZXH;DL"W[(EJQ8(M04X3:$G2QF8(83K:@EXVS.[TZ+&X^5"1Q\)
M]Z>"DC@&\ LA=)G+IT[V"UIG2UG^N%UA-[.D<RV]@;*O4\)@&H-=GF#+5)%S
M^U<+8RG+:S23Q2ZV"F<T:MQ#7R='+@GN]]\L)LN$X5>&I9P[LIK:Y29/(E"2
MMJ+J!J,0)CD2,<2H* !A+ ^+4AW?Y"22E0K>'IZ3)AG(FM,>T,"58Z!9Q.[@
M#<^U_6RO)E"VYXMR$JE+K+TPUT9G@S"FJ:RIF3$[1#@A!>D29J=D9*(!H1;&
MK E 4!8?X)ZH)IP0CUDG8^:W)[G>8-6K;L>]\/>PK#HN8_/]D>E.Q/:7(F^&
M"R)DN.+S'1<Q^?[(]*=B>TN)OA@LA)<<7F.BYC\_V1Z4[$]I<3?#!9"2XXO,
M=%S'Y_LCTIV)[2XF^&"R$EQQ>8Z+F/S_ &1Z4[$]I<3?#!9"2XXO,=%S'Y_L
MCTIV)[2XF^&"R$EQQ>8Z+F/S_9'I3L3VEQ-\,%D)+CB\QT7,?G^R/2G8GM+B
M;X8+(27'%YCHN8_/]D>E.Q/:7$WPP60DN.+S'1<Q^?[(]*=B>TN)OA@LA)<<
M7F.BYC\_V1Z4[$]I<3?#!9"2XXO,=%S'Y_LCTIV)[2XF^&"R$EQQ>8Z+F/S_
M &1Z4[$]I<3?#!9"2XXO,=%S'Y_LCTIV)[2XF^&"R$EQQ>8Z+F/S_9'I3L3V
MEQ-\,%D)+CB\QT7,?G^R/2G8GM+B;X8+(27'%YCHN8_/]D>E.Q/:7$WPP60D
MN.+S'1<Q^?[(]*=B>TN)OA@LA)<<7F.BYC\_V1Z4[$]I<3?#!9"2XXO,=%S'
MY_LCTIV)[2XF^&"R$EQQ>9J.=T>;"&?C4O%M3GN*DE*YQ$(#W5S<'EP,Y2NX
M@=O:AR=%*M>JWH1FPE[4*#-EE:+)+V$HL  _$_PJ?+[PA_BU'[KJ)6Z]TJFY
MP^I"619^?&H7T=S5:R'GC9I%M4J')*2I43S0SVET<&5P+Y*KIL>'F[FU*4B]
M+X0B@@-VG4%[-)$809X1)I@!?H?P4?+_ ,'_ #](_=&D#;J/2J'G%ZD1ML=%
MS'Y_LCTIV)[2Y]K3?#!9%DDN.+S'1<Q^?[(]*=B>TN)OA@LA)<<7F.BYC\_V
M1Z4[$]I<3?#!9"2XXO,=%S'Y_LCTIV)[2XF^&"R$EQQ>8Z+F/S_9'I3L3VEQ
M-\,%D)+CB\QT7,?G^R/2G8GM+B;X8+(27'%YCHN8_/\ 9'I3L3VEQ-\,%D)+
MCB\SZ%5FR$FE'!?;$$(HP!@0FV?8!Q0A %H6@FDFR,91I>]Z[PRC "+,#WPC
M"(.]ZVGRP60DN.+S)$R"1@# & 1L^?&G7GS6L?\ >H'D[GS7<R-ZY/O1).02
M, 8 P!@# & , 8 P!@# & , 8 P!@# & , TY>Z9_ER7U^U(;_+:&Y\4?"I\
MOO"'^+4?NNHE:KW2Z;G#ZD)8CGY\:A?SW+_\NFB/[38/\J)WGZ'\%/R_\'_/
MTC]T5\VZCTNAYQ>I$;A^?:I91@# ,-O==.ZY).Y4-U"N"N@U-YZO!;9*,!2>
MS2JX\F>CPB#'B,&,R SGQOXV\M-!T'06SF/B[>]B5\[UI-HUVN>2*C?B_&>,
MUO\ ?U):NKU8ISUN$I'/KU>\B5$_%>-\9K_[^I+4U>I'.>MPE+>84_\ *^V?
M_P"/]R_XGTO_ (_YH_IG^[?XW^4<_P#3O]U_Q_\ )'^5]L__ ,?[E_Q/I?\
MQ_Q^F?[M_C?Y0_3O]U_Q_P#)-QF&2+4OA\4EFDFV_4HC3%(M(-G\ZVBT]M:5
MRTDVIT2GTHVFTIY'9_($<MX'*<B7X7@![<+FD]DTG+FIG>A>M##%LUH4Y734
MRI<DR+1+"XMF: Q2PY,IA$@.+KV[":6=%"G:P$8;C1Q=@F!U@S:6,+-)T5<U
MND97TO2Z82U*C8F=QVWHY"X,H'(*E.)2F?1HXQJU6])JYU1NS%'JXBEXSD3R
M>$M88]Q3AQLZ7U';KD0WI=;,1C9)=#SCVA.,]1X_CCXP.B<Y.M.=6AH"3[NW
M9B4+_3V@221O,1?(D^M$A@CG#T5KIA+T"I' $M@'\/>HHLVO  L#\(Y#Q*0I
MU>$Z0M*!K11NP DJG)6T1Q-+@E^+^I3R)HX?.(^+\0K2:Z,#2Z,0QPRK++;F
M]V&28K55[=,1#,J\>U/-]<D@<EB IT;7MC$,\QF>V5P3E+7-M&W.J\1*1V<Q
MGT%8K;A"1\FL29E;?&9Z!>F=9&SMRA"->9!5"$"PE6L),3"6IP"/2!."#:@D
M(C2=#!K8LR2<G8]J_$Q;4U:MC_ K#IAJ3K2KGMO&?6>1)W/!DS5ZQ0Z8:DZT
MJY[;QGUGB3N>#$U>L4.F&I.M*N>V\9]9XD[G@Q-7K%#IAJ3K2KGMO&?6>).Y
MX,35ZQ0Z8:DZTJY[;QGUGB3N>#$U>L4.F&I.M*N>V\9]9XD[G@Q-7K%#IAJ3
MK2KGMO&?6>).YX,35ZQ0Z8:DZTJY[;QGUGB3N>#$U>L4.F&I.M*N>V\9]9XD
M[G@Q-7K%#IAJ3K2KGMO&?6>).YX,35ZQ0Z8:DZTJY[;QGUGB3N>#$U>L4.F&
MI.M*N>V\9]9XD[G@Q-7K%#IAJ3K2KGMO&?6>).YX,35ZQ0Z8:DZTJY[;QGUG
MB3N>#$U>L4.F&I.M*N>V\9]9XD[G@Q-7K%#IAJ3K2KGMO&?6>).YX,35ZQ0Z
M8:DZTJY[;QGUGB3N>#$U>L4.F&I.M*N>V\9]9XD[G@Q-7K%#IAJ3K2KGMO&?
M6>).YX,35ZQ0Z8:DZTJY[;QGUGB3N>#$U>L4:C?='G=J?>-2\75D<V]Y:U;G
M$1)')J6IG! J"57<0(-VG6)##DYVBSRC23-EF"T TL98N\, M:^)_A4^7WA#
M_%J/W742MU[I5-SA]2$LAS\^-0OH[FJ[M+#QM4@[/CHW,K4D43W:MS=EJ9N;
MTVCJNFZ<G:A8L-)3$Z-4'%$%\H8'PSC2R@]\8PAW^A_!3\O_  ?\_2/W1I V
MZCTJAYQ>I$;;73#4G6E7/;>,^L\^UI.YX,LDU>L4.F&I.M*N>V\9]9XD[G@Q
M-7K%#IAJ3K2KGMO&?6>).YX,35ZQ1IV?"VIE$)9'>!$,6E4;DHD+UQ'"6A8'
MQK>=H]*$-(:3[5:;E2G:?1^R#M$[.\#1NR3? \+DQ][B::32J\U*VE[J,X&G
M&FJM)SMINZC-+C."5\8!["5-V[5!-0U42=9]>%&E5O!RS2C)K&P&%F C#6$9
M9@!.6A & 6MA$$6M""+6];UK>LN\">I#8_BP[G<B^4;7BX+5\2'?U4285;E4
M'FED$6=7IQQQ@"B22II&S#333!: 6666!RV,9@Q[T$  ZV(0MZ"'6][UK,I.
MYX&<U>L2E%M!PE>GFJ ]9*---D3-XF<_9B7P9+7+S)!#F^"/$<>4H$^N5BJZ
M-M+8E,:TXTYX3T0%A2TM2>L,4P24RMX5JK.6O:QO2.347*')[,D[>2O.4M;Q
M&YG,);8-E0<QO5B-2ABUHS2;R5_G:(XM4-V4+TY)1B1.PQ8MA$S]^5BP.*FX
M0*-(7I7<V.N*]XT\,KV^/#D^.*QRF2F,+JH<8L5,E1AOAOR>-J:+J(+5R_@*
M HH0F:EBA8U2"8HI&(]_?$D6J*2KNE6Y6UU^S&-:14ABS*#2A6>O-11F"QU%
M$H-%$!ZD0S4\=B$;0$-C(@\(8@B,7N:XY:].SLY+@.8^@!NU*]WL =[W%K'[
M^]AUO>^\J@>M=_?>[^^]K_1_[9.Y\UW,C>N3[T23R9?R8/HA^S()')E_)@^B
M'[, <F7\F#Z(?LP!R9?R8/HA^S ')E_)@^B'[, <F7\F#Z(?LP!R9?R8/HA^
MS ')E_)@^B'[, <F7\F#Z(?LP!R9?R8/HA^S ')E_)@^B'[, <F7\F#Z(?LP
M!R9?R8/HA^S ')E_)@^B'[, <F7\F#Z(?LP!R9?R8/HA^S ')E_)@^B'[, <
MF7\F#Z(?LP!R9?R8/HA^S ')E_)@^B'[, TY^Z9:UKCCOG6M:UK3I#?O:^]K
MXMX;GQ1\*GR^\(?XM1^ZZB5JO=+IN</J0EB6?GQJ%_'<P-:WQTT3K>M;USFP
M?O;UW]?%1._]F\_0_@I^7_@_Y^D?NBOFW4>ET/.+U(C<-Y,OY,'T0_9GVJ64
M<F7\F#Z(?LP!R9?R8/HA^S -,OX7P$(8YP#^"$(>^]\2G^C6M?\ V%&?^V<3
M3.RK\Z7NHS@:=V5;G3=U&:2V<(KPP#V4J7++Z':G_ !\6D$_^D/Z+-7_ .LN
MT'Q(?-A[D7VC_9T?F0^JB2^3+_\ P!]$/V9D9G[P!@# & 1L^?&G7GS6L?\
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M?PLU9=H/B0^;#W(OM'^SH_,A]5$EYD9F,.XN*FWH,CMOQ0I8@%PFUN(1H;)
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M+OYJ*T?[SZ5_CM!G.TIT2+SX.\YFE^A1^?1^LCS5LK!4A@'J+]P$_-$<''[
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M],5N>W&)OA@LA)<<7F0K<7 SPH<0Y4?)OVFV.[B8F8YFQ8JVW>56*7&S'H*
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MUGB3I'D#:J>HYJFVF0Q,IL>7.0/R9>US@Y_DA,*,<'C:>11^-!NW?B7DX(&
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3WO?.TR&X(& , 8 P!@# & ?_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g814489g26n12.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g26n12.jpg
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MT=(C05AA=YC7X28G-G$*,C,U.8%BH;?_Q  > 0$  @,! 0$! 0
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ML2C\GEK.#1@Y,+-W*]@0\_*'R(UEXZZCMM@W,D2S4<+C,F>APN$)W3 -@G'
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M !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\
M$Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3
MH'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@
M<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R
M-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V
M7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>
M?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\
MQ]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'
MVA/_ !.@<C9>?,?:$_\ $Z!R-EY\Q]H3_P 3H'(V7GS'VA/_ !.@<C9>?,?:
M$_\ $Z"\4"@4"@4"@4"@4"@4"@CWQ7?DZ;;_ $3<?UIK65P/VVL/T\/V9D?:
M5NIWFSWJG^-I/.'4MN=!0*!0*!0*!0=^N S\FB'?QM+_ .\Y.HNS-[<7'YEO
M\137XT$]37!O=6+_ "I=)C5@$P% H% H% H% H% H% H% H% H% H% H% H%
M H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H%!'OBN_
M)TVW^B;C^M-:RN!^VUA^GA^S,C[2MU.\V>]4_P ;2><.I;<Z"@4"@4"@4"@[
M]<!GY-$._C:7_P!YR=1=F;VXN/S+?XBFOQH)ZFN#>ZL7^5+I,:L F H% H%
MH% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H%
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M "I=)C5@$P% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H%
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M,Y-_;SZN^G('_P!&K)_OMF[_ #-B2C.F[JB8M[EPKY-MDHZN(B4H% H% H%
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M?T9;/^Y]-UW1_P!?9O!F+<1/5#@'7JP[NK]"?*=\&'YSS']&6S_N?3==T?\
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MWO+'SG(1/T2WIG'M:&Q+O>6/G6"5@Q>,7DF6+2ULL0!C*U_&KWZ+V'.+VO\
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MX%WU_ ;C6E+@-F#O/^)Z%/P?[A%UPPPU9NKBLED8F-K9X7Z<;WQE!.U[6O\
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MXQSY+&$)Y9I(QAZGL*AKA":$(ZM<(PU_D5%Y(B:$V9,"C+&$8<XXPUPC"/\
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MJF:RMFS!@BW:H>-64464\6ECXQ53-3/ISSRRN%XH% H% H% H% H% H% H%
MH% H% H% H% H%!8I#%XU+6;4=*0 :1L&1<-(&;(X-9E6C0['238S'S3=N^1
M721*@R[-F5$$$\,70TDT;/F:J+INDK@%]H% H% H% H% H% H% H% H% H%
MH% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H% H%
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MF6MQ,P!02-N]PQ7ALD0"1LWAM2-0K\?@GB+=Y,I9=X0'N7^:+_AX7"1EVR)
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M@4"@4"@4"@4"@4$<=S<66AN'XZ*C>V)HM&C)H3SP:T2C$K.6<#+O'+#K%W
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MC'EQ(6<$$A[B^5L'K @V>-;JM\_&6#:% H% H% H% H% H% H% H% H% H%
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90*!0*!0*!0*!0*!0*!0*!0*!0*!0*#__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>g814489g28r22.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g28r22.jpg
M_]C_X  02D9)1@ ! 0$#P /   #_[2.24&AO=&]S:&]P(#,N,  X0DE-! 0
M     !<< 5H  QLE1QP!6@ #&R5'' (   (    X0DE-!"4      !#'71?E
M=+5N]=N^.93 Z7E<.$))300Z      #E    $     $       MP<FEN=$]U
M='!U=     4     4'-T4V)O;VP!     $EN=&5E;G5M     $EN=&4
M0VQR;0    ]P<FEN=%-I>'1E96Y":71B;V]L      MP<FEN=&5R3F%M951%
M6%0    !       /<')I;G10<F]O9E-E='5P3V)J8P    P 4 !R &\ ;P!F
M "  4P!E '0 =0!P       *<')O;V93971U<     $     0FQT;F5N=6T
M   ,8G5I;'1I;E!R;V]F    "7!R;V]F0TU92P X0DE-!#L      BT    0
M     0      $G!R:6YT3W5T<'5T3W!T:6]N<P   !<     0W!T;F)O;VP
M     $-L8G)B;V]L      !29W--8F]O;       0W)N0V)O;VP      $-N
M=$-B;V]L      !,8FQS8F]O;       3F=T=F)O;VP      $5M;$1B;V]L
M      !);G1R8F]O;       0F-K9T]B:F,    !        4D="0P    ,
M    4F0@(&1O=6) ;^            !'<FX@9&]U8D!OX            $)L
M("!D;W5B0&_@            0G)D5%5N=$8C4FQT                0FQD
M(%5N=$8C4FQT                4G-L=%5N=$8C4'AL0'P@           *
M=F5C=&]R1&%T86)O;VP!     %!G4'-E;G5M     %!G4',     4&=00P
M  !,969T56YT1B-2;'0               !4;W @56YT1B-2;'0
M      !38VP@56YT1B-0<F- 60           !!C<F]P5VAE;E!R:6YT:6YG
M8F]O;      .8W)O<%)E8W1";W1T;VUL;VYG          QC<F]P4F5C=$QE
M9G1L;VYG          UC<F]P4F5C=%)I9VAT;&]N9P         +8W)O<%)E
M8W14;W!L;VYG       X0DE- ^T      ! #P     $  0/      0 !.$))
M300F       .             #^    X0DE- _(       H  /_______P
M.$))300-       $    >#A"24T$&0      !    !XX0DE- _,       D
M          $ .$))32<0       *  $          3A"24T#]0      2  O
M9F8  0!L9F8 !@       0 O9F8  0"AF9H !@       0 R     0!:
M!@       0 U     0 M    !@       3A"24T#^       <   ________
M_____________________P/H     /____________________________\#
MZ     #_____________________________ ^@     ________________
M_____________P/H   X0DE-! @      !     !   "0    D      .$))
M300>       $     #A"24T$&@     #-0    8             #F@   LA
M          $                          0             +(0  #F@
M                     0                         0     0
M &YU;&P    "    !F)O=6YD<T]B:F,    !        4F-T,0    0
M5&]P(&QO;F<          $QE9G1L;VYG          !"=&]M;&]N9P  #F@
M    4F=H=&QO;F<   LA    !G-L:6-E<U9L3',    !3V)J8P    $
M  5S;&EC90   !(    '<VQI8V5)1&QO;F<         !V=R;W5P241L;VYG
M          9O<FEG:6YE;G5M    #$53;&EC94]R:6=I;@    UA=71O1V5N
M97)A=&5D     %1Y<&5E;G5M    "D53;&EC951Y<&4     26UG(     9B
M;W5N9'-/8FIC     0       %)C=#$    $     %1O<"!L;VYG
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M=71S971L;VYG          MR:6=H=$]U='-E=&QO;F<      #A"24T$*
M    #     (_\        #A"24T$$0       0$ .$))3004       $
M!CA"24T$#      930    $   !\    H    70  .B    9,0 8  '_V/_M
M  Q!9&]B95]#30 "_^X #D%D;V)E &2      ?_; (0 # @(" D(# D)#!$+
M"@L1%0\,# \5&!,3%1,3&!$,# P,# P1# P,# P,# P,# P,# P,# P,# P,
M# P,# P,# $-"PL-#@T0#@X0% X.#A04#@X.#A01# P,# P1$0P,# P,#!$,
M# P,# P,# P,# P,# P,# P,# P,# P,# P,_\  $0@ H !\ P$B  (1 0,1
M ?_=  0 "/_$ 3\   $% 0$! 0$!          ,  0($!08'" D*"P$  04!
M 0$! 0$          0 " P0%!@<("0H+$  !! $# @0"!0<&" 4###,!  (1
M P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R
M@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&
MEJ:VQM;F]C='5V=WAY>GM\?7Y_<1  (" 0($! ,$!08'!P8%-0$  A$#(3$2
M!$%187$B$P4R@9$4H;%"(\%2T? S)&+A<H*20U,58W,T\24&%J*R@P<F-<+2
M1)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6
MYO8G-T=79W>'EZ>WQ__:  P# 0 "$0,1 #\ S_K*T.^R@Z.]\'[EB_3_ $;]
M+!]%RV_K&)=BG^M_!95M0>W^4."K6$_JX_5CG\Q:[@+)8\?I.'-[.\Q_+51F
M'D69%>/CUNOLN=LI8T2YSC_@]O[ZMO:;FP=+J^/,*_\ 5&[U/K3TME@_2#(!
MGQVM>?<GSV-] J+2=]5?K/\ ^5&9_P!LN4#]5OK./^\?-_[9<O: %*%6]P]@
MR4^'Y70^N8=#LC,Z=E8U#(WW6U.8P;CL;N>X;?<]VU:O1J?3P&$\VDO^1T;^
M1=Y]?:S9]4\RL<V68S1\[Z@N296VMK:V_18 T? :)LI6%!<-*+0P/L#"HL3N
M<:W"QO(3$NA=C"S'-1U(U:?,+,;Z?#3+N=O=;%;P]C7MX<)"PNH85F)G_::/
MH6DD-[ _G-3H '2_)$M-4V\1RJC_ %1:34\@#D=D;[*+;!<"6EPG83W36XY:
MTN#H/@GB@M-M=F5DLEKG%Q[!/]LNC;/NF>?P5-]CR2#[H[J.X[>>ZEX?)9Q>
M;__0S?K#9!Q!XAW\%GS"L?61WZ;$'@QQ_%0Q*&Y0](/#+C] .T:[^3N_-<K.
M+3%$GQ_-9/YBUK:]QWLT<%I?5*AMOUKZ;<!M>Q]CGCX56^Y4K:KL6TUWL+'>
M![_!=']7>GC'^L?2[ -74W%_];T;/_)ITY#AKN#P_8B(-^6[W8"<!(!.JK(X
MWUR _P";643VLQB/C]HH_O7%R0?%>E9.+C9F/9BY5;;L>X;;*W<$?2'\IKV.
M&^NQOOKL_2+GLWZDL+*_V9>6O8'"T93B[U)#=A%E3/T3V;7?X+W[T"D/-MVE
M1MX6GG?5KJV!CNR;&,NK8\,<*";'AKM&W^GL:]U6\^F]O\]7_H_2_2*C?T_+
M87L=58VVO>'U.:X/_1M%UNQL?I=E3V6_HM_Z-Z"DG2[]S74DZMU;\%=>QKVE
MKA(*R,2G.^W/JHQ[;<C'/Z>EC'.>R.?4K:-S%MLINMQ;,REGK8U+S7;;2YMP
M8X /=N^SNM=Z;6N]UC/_ #VDEH6X[ZSN WM'<<_<J60]ME3VM.L+9:YKQN80
MYOBTR/P5+/Z8W):7T_H[QJ(X=Y.3HD7JB0-:/.EFWGA1@?BB%C]Q#I#AH0?%
M+TG;?FK%L#__T>?^L3YS,=OA5^5R'29"#]8,BO\ :36[Q[*VCGXE1Q,BHB-[
M?O"M8OYN/DLG\STF!EU9K!AYC18]NM;G#D#_ *E[5T71*P_JM3SS4RTC^TST
M_P#ORYGHC*FBS+L>UH^@PD@?URND^K.7BY'5'UTVML>RE[B!X2QJ@R#U'A!H
M?9XKP?3J]0 I>F^)VF/&--50R<_.IN=71TVW(:T@>J'!K'!PW360'N]G\V_>
MWZ:QW] P*JK*V874KF5GT:VBYPEE;6/KLH;6W:S<ZQ]?[GZ*Q,4]0&.B8,>/
M92:TG0"?(+F>GX!KZEB9./A]0I:7:E[]U;A;[;;,AEE?Z)C*O9LK]+U/^#]"
MFQ9GUAZKD]=ZQ=T/%S&=.Z3@!QZAFN?Z;'6-/I1=:75_HFY3V8M-#?YV[U;_
M -)Z=:5HD:\7O6M<TSJT_<N>ZUU;,;;CY&!<W&IH'Z1UYH8 Y[JC7]H^T[[?
ML5E'K>WIWZZ^[T59^IW1']*Z8?5RQGVYC_7.2USWL+"T"@5.M<_<S9^DW_\
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M<[!)G[14/[;?[TTUT7Q$];MEZ%)_P5?^8W_R*7H51_-,Y_<;_P"14/MV$/\
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M""!*)^K+BSB$XR(/I-N8YH5*UL.1V9.@:^#&D@_P4+MC]6N'ST566.43T/\
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MV(7K-]2924__V0 X0DE-!"$      %4    ! 0    \ 00!D &\ 8@!E "
M4 !H &\ = !O ', : !O '     3 $$ 9 !O &( 90 @ %  : !O '0 ;P!S
M &@ ;P!P "  0P!3 #8    ! #A"24T$(@     !+DU- "H    (  <!$@ #
M     0 !   !&@ %     0   &(!&P %     0   &H!*  #     0 "   !
M,0 "    '@   '(!,@ "    %    )"':0 $     0   *0   #0 $2J(
M)Q  1*H@   G$$%D;V)E(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I #(P,3<Z
M,#,Z,#@@,C,Z-#DZ-3(   .@ 0 #     ?__  "@ @ $     0  "R&@ P $
M     0  #F@         !@$#  ,    !  8   $:  4    !   !'@$;  4
M   !   !)@$H  ,    !  (   (!  0    !   !+@("  0    !
M      !(     0   $@    !.$))30/]       (          #_X0$P34T
M*@    @ !P$2  ,    !      $:  4    !    8@$;  4    !    :@$H
M  ,    !  (   $Q  (    >    <@$R  (    4    D(=I  0    !
MI    -    /      0   \     !061O8F4@4&AO=&]S:&]P($-3-B H5VEN
M9&]W<RD ,C Q-SHP,SHP." R,SHT.3HU,@   Z !  ,    !__\  * "  0
M   !   +(: #  0    !   .:          & 0,  P    $ !@   1H !0
M  $   $> 1L !0    $   $F 2@  P    $  @   @$ !     $   $N @(
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MQE2+EBN2% R@C</\H>8>/R\\<2=(W#9B*9#,^%(V$+_F=Q6_#CJU'J##Q['
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M>G/3S^)D;BB6H.WY"QKT:/28>>% !\NZ:Z_H31P64 =%#_\ #-U'O[L:5E:
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M33UT5,_9^U#</\X-_P#A!]!YXRC9Y(_*.WMI;7C&,XUCD>OR?OG%985V4P@
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M Z7TO\KCW6OKMB)$]4E8J>I:E^8:[]+1$Q 6"0'\*Z\JYMQIGA*3BW<,Z$Q
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M$Y[%[9=Q&PAVN_Z^AUYL@-32UVY_-V:CQLRIY!#EN\JYOP?D(ZV1YM \1\;
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M2#4@:?*U]>E^?UQL[P9\N^_2D8VATBR*(ZA\OT[N_P ][5*]/$_(?6$/OL9
M"]O6E@T'KY_#%'5J:\8135TP*80#;IKI<.?+8;?/&5%GJ_@+Y9?/I%"6NP'B
M^7-V'*M:BK<O?OK^_P - MW=X8M%G S\3$V$10V\?#IHUXB!NSK^0C],(@?"
M'>@^?![VNU#$X'Z_'UUQ?=<./"(=BQ\13*CC/E81$RI0Y_OT'\O+%T).@UN+
M:=&U](@E-/S'@?GXMT\6QS ;Q'X6'EW^'YZ8R)!R%[4>NITOGS:*&KD^K10Y
M)$IDSWM;LB-AT]>.OQN ;<DD%QPMQTMVT:LY(8VUTN_"C'PZ1@^HF)%#J
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MBN\]7YL;^%J=U,-C+'(.H6UYW]?"W/NO9AE3E2*]]Y]]84([#0#:;Z?OZY>
MB@&XK37I3BT6"VT:IR_7JYAX19,^QM.E[:;[[8G=(RK84SL6]+Q +V--';C>
MV=/0/$PJ$"^H7\;Z\^[^G7  ]- / 9]\($C-GU)=]>'T;6&RBNF_3;;T/ZWQ
MF2 !SUH>](C]>Q#7WP7^EA'2_?;\_P \2WR\L]/*,>_R\ZWT=CP\Q%%E7@%2
M-KJ(:<Q"X=?$;_U'&U(0Y!(\>!M;,?*T:TU;@WY\;-89U^L8?DG)CKFOM>VV
MGY<M\=J4&2&.0^O=,Z9QR)JG6>!\>-\X9 V36#^6_E??KY[\OCC(2U>W\A&.
M'"<,G:_8#R + /P\!Q7W@MVVOZ^-(L)9T TIR[U>*>\CDR ( 6]]+6\^EO -
M,94+:H^XOISBA0+$-Y>'FV46HZ@TU!$W9ZC^GH>6N-I,]61KQ->V^;UM@5)!
MJW"E^?S#><6XY;)M#[6[.WSVTY[6^6-A$PJU/RU]?'G3 I(1:@Z"W>D/FJQ%
M"=GM>'T']?/I:^-2/B!/Z]F_9C*A3I[Z$=(IKM!0YOP!<-?Z@(]]PWQE0I(9
MZ,VI?6G'O*,,U))YGR^T,0CW FN':WOOI???\OGC+[U%@!UH ?#Z1C$I>A'B
M]^_TBKMVON"]I3?OO\1]>.,2B[TJ:M5P]_5M+N<HR $=,W'CSSUSAB_.F8X:
MA8#%O\0O]-O/&26EC05^=6\^VC',(9+U<AJTIW3PCOVT#0/]U]1O?7XX_.:
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M$W^ACX;!WX>\CQ__ #3T%_X@Q/O9H_RLSD%D5X5X:PWU?S*\3]8 X8>&S_\
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MY]EQ[.MVFHDKP8\/(%5(8AA;Y;P#10"F 0'W:S1L@LB8 $>R=)0ARC8Q3 8
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M;> =?'IB\J8'Z9WKW3404&J!;R^0%S2KG*-=)Q@HV7. E$+"(\PO:]^73O\
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M)#BW8;GXU?C$0#I\,(B_??*)@ 1\ OJ 7_KW8H59-T.>7$,*O46\;  -6M-
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ML#J)DUU$+!N'ES\AZ:CJ&S*6%#==^_3YY5B#\/7//G]132H<G TG'G0.8+"
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M)J!J;PN/EW?3%?<J&7@'[\1YQ(FN]?O^K\](8N7"=Q&^O34>O] _+&66@B]
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M$N&GK3\NGS ;VX!4Q;OLZ^1%3LU4*4'R;F?#S%0%0  "P8J!O'>5T'>7K%@
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MDYA1$>T<@CK<Y+B-_P#*"P>K6TYX%+]+!J/WE^D2[-E4/G?B6-KZ1Z0HQ8#
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MG]/+&(J)X5[?+RYQ9N7A"!@L/T\\2*O4MF*5/7D[5L19G;H-&H>??AE2%/<
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MOCXAZ#6_5D3]VA-*=.??'GKD!F/0F[Z$UOZ94BPG;,R!]A"WE</7+S#'4ES
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M^_K?1Q$B[#5V[S<4?SB06JG_ )0UZ9/ITN"(OH12D6XE-V1,8+!?F/=?RO\
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MM^<OT;CZY=:YQ0IIQ\KYYW+^KEHJ:*H"(>OZZ;>08F(%#:PI5]6 X6;PN8>
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MXAS ;>&@^'YXSH#-X/\ \DO\NWC!-((+</7N_P!HIAKVTWQF2,CIRKWPC7+
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MV*-%63'M%M>X_D-K_/EIOH//&N?S,]#\[<R2[N[YOE8'(VK\VK^O*$5$@$1
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MV_U\=1^O/X8A[>G*@],O&$0MW7V#D(C\?VU"^N)?BUSF /#[T+4A$?'X?4-
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MAJ0P"Y5HJ ,@9W,)MTNTJ50PMROP3,C%#(.>RB,"4I0<"@\:::ZY"\5*Y:5
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MR89 !LQ#JKEO=TV_/S]P8/\ XT>G=M\<;>S0^*EC+>]:7C#,_*>>5/3Y<#'
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MW\+;8RRUD$-0CY:TZ7=XQS$!:2.^^\XYIY_9=_=[U=X@C8B@B8# 4 #<1Y;
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M;&6CX&4FHK^ I-A#,LLWQH6.(>+2FG,TW92TZ=TSL9/PAFWA?C^EA;C&U/\
M9D?@L/+PRT(QLDE4R<I2TIG%=5#>2DJ&X0D2CNT .]51,=&O8X\1>?-20V>7
M!KQ85I3.8G$-P>S-*P\M75-UHSK\]1496366&'C:FJIBHLG,5O14G3\I"U*Z
M<J$ETV[J"8U&B-3LYMRXO*)JDEREJN]#],_".EL>?/4)V$QDQ$W$X,H"IB%A
M>\A85NA:A^:8@@I63\7Y0KXMYVG'![<_AUX2<V2</% 4+67$[GZG,,:=EJ'R
MZ>LXN$I^IY-P@SCZ.DJJ<,YE=[6;MTZ:MPIZF:<J%1FY5&/EG,=+$^[C%34I
M+ ;QT%N3Z\A$8[;V%P<X89")F*Q!4$F7*(9*E-NH*B_QEP E*5%Z%C2.=_$-
M[9SA.S%8YV9;<8WLW99#B7R5^W4_2^6]:C2>8#*0K].5;Q#:E"9FQD1"U/3B
M:HN5ZC^V0<)(Q<S2T5)/X:0?+JQ:+^AFIJ%(90L#K>]#2_*-<^TR9/XF7,PD
M^3BI'PB25)6E<PJ"4HWP,_SN$$*0DE)51]".#'A;]HIQFQ'$5GC05.TYPN,\
MMJ.5ELCZ,C\A*,IBG\P\R_M"$M&Y>TVMF+3$K/2E.C3[*69O:IJ.I)PK*HY>
ME$7CYS'FEDV=4A:G;X6% U'T#_6E(U<-B/:+::<3/_$S<(F7+?#RA+3+0N<X
M4)8"TN4;@(*UJ.ZI:+I"A'.S-;/?B"KK,"E)C.W*0F4.;5.,R0]6N6&5SC)O
M_"0P:N">[J"=HE"+@X)M7$3VU$Y9Y3L-%,9>$(F]7BF3J$?OI>A)5<,KD0X#
MY6\@(ZFP-N8K$3?P.TI2Y>)W5*DS5H5+]]N!U(4A0'[Q*=Y0*6"D@_"G=^+I
M[0<DI+4O%/53=I19JD8PWO<1*%]?'&$DA358D7X^E7CV47NF81T$>O/6P;7'
M3GIN'E>^,@IWW\X0L%[=P]1V#H%NF]]---.4D@USY7.IRX-6M:YHFZB/(?EI
MW!I\;\AOB+L!V?'Z 9YPB&P:<KCMRMM;3K^0ZXFYKFPOF]WKI\Q2$ AH(<N?
M?TUZ^0_/ :Y^EWIHW%/E",$9QTLE,0CHP)@90B9S -M= 'NY[[;CKCK[-Q!E
M3D58$A^1[UY/'/QTG?0JEQ3GGWEPH8Y2U+%FCY)=+LB7_&" WOR$0_+'T?#S
M-^6#=@]/3Z/6/!XJ44S%#-RS::7MVT41-(!\>H^M.FGAC*5-8/G?OM\A&LS7
M#M?["A/6@8D/#@$RAW]X!?7Y_EW8J7/#@X%#7/,]>/&7.=^):G*@KUXY0I8+
M7"W4/B%M[CW>=[8KFS:CC8O:^O*CM%<M,B*<7+ CS&E6B4>@#J([W^-_E^P!
M;%QJ10"S>#>?W)>)&9:@ <-X-YESYN\3)A^-,!W Q=->9@#?K>UK?O@2^\18
MT?D'MR=^Q$NY+"A(K2XK:G6OTCIE'''MA_NATTMOW:::=?ACX$IJY"XZ5^6O
M6/K"2:TS#N]7<%WMV*Q3,R70(TH^&_\ RA3QMV1Z6]:;XZFQTOC$4S!O>HU[
MH]+1AG40:7&C:GO1VRCS]YRNP7JM^.H_XY0 VV$QNO3G]>OZ7]GD[N"0W\H-
M?$=M\V\'M4'WR@]*:D\>F6?RC%+8VH>.^_\ 7^:^/2@_KWP/AJ7;C-XZ<@3W
MYMG?D*I82AX>5K:\_P![#C*+#H.-@&#BCAJNVA%(Q'^+H172Q'.@XL6TC*\6
M>Y"]_9#?J'[?'&!='&98>!,8XN]J/KYZ:=WH<8B'#19V).K'T/Z?.+F:CH4.
MGZ#C67G6AMEF>0Z=*0'\/^E6V?Z=O%:2_D#PY_'S'E\MKXUQ<\_-AX]<XS T
M'.O%CX@9CU+4= //;Z_+T X@LQS'K3SMGHXRC.FW+3Q[.=XO>DZN?4^]1526
M.4"G*.AA -!YV'USQS,;@9>)0I)"2X+6)Z4S%\LGTW<-BE2E /2G?/0](Z4Y
M.YNMYQJ@T=+A[[L@&IM;Z:AKZM;?7'R?;FQ%89:EH3\-R,LZCPJ#;6/78/%I
MF %P_>3N^HO8Z/M0W<$7("A#%$#!<+#N'<-[?2W373R"D%):KBEO4,_J_!FC
MJ@@AQ$ZB*:H"!RWOOIU^-^\>?7I4*(+@Z]Y,]6SRYB ;B&Z3%!(W:(0I1_S2
M@7RY7L&NVFN^V,BIBE"]&UJW%N-+O5Z7B-T NV?A\H>6L%NG0-_+KT\MPOC&
M[_0Y:#DU^#VI%H+:B.W?W6]=//F>@%^'%^]>F2,:YDPY9.!>)"4##[L]@M?0
MP;7MIR#OZXZNRYYE8F6IV^( O3GP%WR?PC5Q*-Y!H"XISMSTI^A]!O"3$#"<
M-F3$68.R+6A8BX &WO4SKCH'7WO34?/&SM"9[S&8F:[E4PD5Y"V9#GISCE,4
M@).@T\C]XV-  #Y>M_R#&FD%WR/-KN]2^MZ.QO E^^7#AWG. #\-==L22 X
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M3ROI>(W00XI0G@&\?7ID%0-8; .N]N[UYXHUB;/VW>4 20'#AV?,$PY(4!^
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MQWF4C6V=%$9/)PK.IT:54C%JTCZE?ISYWZ\%4!72<>%.F2/&@T0.Z%V4Y7R
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M.X0[^6^X!?$WYMG6O$'AG:Q+0B-K>>_+GW;6N/QU'$._2V>7&[L/"@A$ WL
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MZIZKRPK*FWZ<FB=9,S(HI';N"%([J_Y1=Q4\Z>(M4&VL9/=_#,+D%!8)U"2
MH]-X$=;UBVF/%-+9X9J\&]7*Y198RBF8G%'QST%PS5U-.ZN3>TW1N3V4>:]-
MP.9!D64@5+[?F8_HJHHR<05CWC5"A9ILM$-$I<"/#+L69RJN5C=\C5Z=*F&[
MNA=302]X4_B(+=*6-\Z1H"QS XJYKA'X:JNKXE(9M5I&>V3I>-RIC/X[K?[S
MGJE@<\\_89_2E6U=6;&9&G*&CJC:QL'0SR+9RIX"@6Y3/H@'+%&.-4.0YK\0
MIF]7#]UTC(0G?(% 9+FE Z4U87+5)I\X[/9&<0?$.7BGJCA.XEZ=R9/50Y!Q
MW$70M;9&K5NVIQS2@9@#EK45*U)#5ZJ^E$ZBB9YQ&O64O'OR1LI$._>&CF#L
MBS9"P4;,* $ 5+.!]?5XQ%"6WDDMO%)WFOND@N/,$4-(R?Q5YLYTY7QV7S3)
MNGLJ4E:PJ.485CF[GQ5QZ8R<R;IZ'@G4P27JIM'2454E32E52"+:F:5@8-]'
MD/).57TO+1\<R4.I!>Y ZNPH+\2&IY.8A(2=YR6%@ -Y6F19JN>($8_X&N+6
MH>)A3/RD:P6R<GZLX?<R8F@Y+,/A[JQ[5^368C*HJ,A:TBYND7DFJ\D(YW&$
ME75-5-"KR\\E'5!#/DT)EP J-V@&A##*P-1G<T=VZZF+*0$E)LZ7^(AP7;K7
MI:L)YL<16?U0\2<IPK\*-,Y0KU;E]E53^;F;^9.>+BLW%%4PTK>:FH.@,OH6
MG*"4CY^5K"I2T],U&[E74PPA(&GF*9BH34D^(R;P')8#(T)/"E&KY-RANAMY
M94Q4P :XJ27>SVJY>+3J'B>XO"Y2Y,R2F264N068U4S>8\'G=6'$;7;EAD9D
MX?+:1=1#!_&K,'U,U3F"WSF411G,KRQSV+;-:>,[<U#* =F4[JSEA8/=[>.;
MLX+_ ",0$I<L2I@"-T?$7%1P9V50Y\HP"V]J)F@'#5FUF/$T!DQG%FMDOQA9
M9<+3A+)>OY&9R?SD#,2>RX;LI_+6IW8+O81\\99@?<*3.4=U*PB:IB55W,A*
M,53LD*%9LPNQ8W!XUU?QN#6_NQO)#J&\DJ^(!TMKR'E7(&-E83B/XE,N\^Z/
MX?>+6B<CEFF?^7.:E2Y,5GD;)5X:'3JC*:#:U'7&5==Q=<D^\7;E2D9(\["U
MM$*PK.41BI!F>F&#I4/L<$^=<V>*[B2DE+DIOO:6!&61#&VMGYWY&9N9_P!3
MYH^Q4-DG!Y3Y/Y%YH</&>,ZYR7B*JS80I=&)@F>7*^8,?(Q!7DBRJ!Q2-+/X
MUSD:O.N)11E5<G50U ZCXY=NNO#U'&M<NW'GUS, )F\Y4XJPU-]'>K>;-&Q?
M$K[1GB,X;([,_-^MX3A!HS+/+BOW4-%\.==YN/VW%[F;EW'5>UI9&MJ:+$2[
MJCXB=K!@J:N*6H=:E)Y=I3"C?[[G$'8+@E)I7O[TX14)!8!W:I9P"Q-M,G<5
M=LGV<R1)_P#M1^/ N_9X=>"36P\I'B0UUUMS -.6V+ _&1P RO4.Y'!P.0C&
MH_ .:CX[IRY!^#F.F!"#ROWCR]?/%CFUPSF_%G(HQY6K6*T8$@.18."<A;(\
MF\8T>]HGQGTYP*\,589PO?L,A6[W_B0RBI=[[PZ=39D3+5T>(([01.DJ>"@&
MS9[4]2"#AG[V'AW$:U>HRLE&$6JM>XDT<BB7+DJNQ\GS>SW')VUM-&R<!,Q9
MW3/4/=X:4:!<Y0(2X%=Q !F+(*24)(!WB ?G#UK6E59C5?4U?5Q.R%35C64[
M)U+4]02JYG,C,3<P[5?2,@[6-_,JX<K*'[)0*FF42I)$32(0A>>H[RB7-:G7
M-[<*?:/BDV:N?,7-FK,R;,4J9,6LNI2EDE2CS<Y-E#&G*=G:OJ&"I.EXE_/5
M+4\Q&4]3T'%MU'<G,SDR]1CHJ*CVJ0&5<OI!^Y0:-4$RB=9=5-,H"8P8!)RS
MH&9ZDU9^!#>=(K+0J8M,N6E2UK4E$M":E2E$)2E(S45, ]7+1] SA=]D1E3E
MI[/Z6X0LPI*HH^H\[FU/5%Q)5OEQ+QT14U0U*RD8Z=3I"*J&1A9LI:*IH6*-
M,,FI6!$I6/&<DC(LW552Y%-Y,H!.X1555$4IF_.OEJ8^N8'V>D2-D*V=.4L3
M,4$+QLV20F8I84E?NTK*5CW2&]VD-\2=]3 S%/A</[-Q[/D=/XBXDO\ XI-&
M]^__ !KQ]:<\/P\NMP.9TU?G<:Y1KCV)V0U5XZO_ !\O5J?N Q_7*-E>$_V*
M7!EP>YUT[G[EDIFS/5[23&=9TX&8-74_/PL2XJ&)<P3Z7:L(RC(!?[V3B'TB
MP:.%'JB+=*0='!N9Q[A9"R)24G>#TL[4<5RI=OK&[@/9C9FSL4C%2#B)DZ6E
M6X9TU"T("P4J4$IE2SO;A(_-F2!8QU](0>@7#\_7[[!C-'H":,+>I&??A#PB
M>WR[[_'?H(6_*"6%+^OF(@5/#Y#,LSTY&'A"#\MNG7Y_OUQ#5<B] "W-\\O2
MNL'HWGWW4MI#DA.0;<Q]?3^N*UOFH6<:!B+'G6(AP4-@]?E@U:.Y/,9^E-#7
MC1"Y";A^^G/E8/"_QPJY 9\S>EF9J#A4AM(0[(2V]^OTMM<?Z:CTJX (%7N?
MIW6$+@ CMBL9  *F^5^FE>%*97A<A>0<]Q]:6#I\-\($$U)9Q1CKD>>O#2'!
M2] ^7Z!Z\,(D4JK6E>>IS?J!6L+@%OUMW>O5Q%%@-?T?+OR8"(X1,&$(,(08
M0@PA'D?]H7DU(^UA]IO7G!=)<6]*\/\ &<,=.T>VR\RLJ*EY^HW69$M55"0=
M?UU7E,1Q)RF:=FJKBT:F:TZZBEYQM-H4Q IRD0R7CC5&[;ZZQ[Q93O ;K,-7
M )(K>K-2W./([2PYVQM.9@3C4X881,O<DJEJ7[U4R6F8N:D;Z$J4D*"-TG>
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MD]+%J/9W9^G$1C)?0 6:MJ4;YM#DA.[I<?0:8.6I5[ESQ>XH6YT;.#:T:R6
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MK>%"EMXAIZTZ6Q J#EHX=A<7+6R%H&K<1I?PJ7(SB>V!+4SKF!F7(-1>@%Q
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M[7B%*2D%2E!*1<J( ',FD-J8K"DJVC@F*,JFG:NB!4,B$I3$W&3\<*Q0 3)
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M5QF?8-=!T$/*UOD.-]/V/(V%M>7&C1SEAE'6X_Y)=SS%!\A'O<]A1Q.S&?\
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M"$&$(,(1XF/[6YD%24,\X6N*.'8MV%;3DA4.4M5NFZ2:2LY%1;-.H:=</3$
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MJTLK7A8O,!I$2;Z<G&>::T ]>1*+B F:IRQKQQ3"KB%&-,");EEQORI%B/\
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M,@J*J*N7*Q@.X=NUEWCI59TNLL?,  &% (]!+EHE(3+EH2B6@!*$) 2E(%@
M*"+RPB\&$(,(080@PA!A"#"$&$(,(080@PA'@I_M7/%%%9B\0V17"73+Y)\3
M):!?5[7P('*<K*K:Z(V2B(I;LB-EVE-,T'RI+E%/[U(4P=H![/"VI/"5*+TD
MRR*C^.8Q+<DA+_Z5:1]']A]ES<3,ELDDXJ>E@U1*DD@JM92U$"N3\8\R[!$S
M9LD3:P!?N^ CL&G3KICYOB9GO9JC1B2[Y9TSHYX:Q^S]E8<X3!2)-BE"6N[@
M7JQ^\7"QDE6QRB4XA80_E';F'/\ ,==N[44@*!'YAT)&=;CK:/08;&+DJ#FE
M/I7U>,XT9F&ZCU$BBN8MK6'MF#F'>/TZCC4*%225)L[L.WISU:D=I2,+M&64
MS$H*FL0*TT(\^1XQNEE]G2\:BA=T8Q;EW.(]+AJ-P'N\@$!#&]A<?,ED$**3
MIJ7K2@%JGY-'SOVC]A,)C$+*9*2]10!GLS4ZN?-XWHH+.)E*IHI.%R@8>R%S
M&YC:VE_VW'H&/8;/VV%,B:6R\\G/'.O1H_-_M1^SW$8)2YDB62 ZF"<AJ&TZ
M\HV$9OFL@D11(Y3 8+Z#?3GU^'EOJ'J94U$U.\D@\+MW3](^2XC!SL,LHF)(
M()%?EV(4.V+>_9#J'9\=[6]!W8*0]J\#X]>WC5APD3L[[6ZVT'KMSMU\,62G
M=#/F_?8\(0XY;Z[!M?8.O41#GYVVR9VU.;9Z: '31GNB);"8O^Z ;#OH-M>?
M3OTL// ."_(4XUH,\[4JXRA'EUXN)$%)%TD _P!\P" ];F]?GSQ]$]EI;2R6
M.MJ"F0[Z1Q\6:M>K^8?AGJ&8VI'/H=1OY[7U'Y^M]\>X31([O6-4/\[9J?ZU
MMS:(<P]<O7=YX*_*>\XA0HU?,U^[@7:^=W"7+Q^H6QD3?O(@^@C'KWX^G-H>
MD'ERT"^F^OA]?KC.@MZ'3OCI5HQJ&? TOD _!BQHU(=HC;0>OP =+[Z:V';]
M!SBA![+5^L8HJK8X (?J'+Z?H'=KLH-1QIT/?=HPK%^+BQS^?7P:*ZB.G> V
MO?7E^W?TQT)*K#IK;TS_ $C1G)=+\!7/O>^T5IN?0-=OC8?+3D(!C=34/?(]
M_+B=8YYNS7J-'RSOJ3PHU_H]>R5FJ8F_9Z\-"M*N47#1A1)XJ1*B("9M.,95
M^G+MERAJFN1T(G,4VHE.0_\ *<+_ )]]IT3$[>VC[X$*.()2[U24@I-7#%+%
M]14QZ^0H'#R-W\IDRVZ!O(N+#EG'1L Z<\<!\FN&9K$4(+-2K \3E&<!JU%G
MY&QL>K\KPL4MK7W^G7;>_P!+=,0/B+Y=>O TO2K\:0YL]./ER;FUXFQ9F 'H
M:U%:EFKT=LS20.VH[T'%^[0L!;6TY;^?Y_+;% Y+FP:M[589VR\:P-J&EV[T
M-.-"!"A2W]>OCMB[FPX._FS&C9\>-S,'?IUI>^K?J'!2WTV#R^7Q#%"H/05%
M;5XZ\ZZ09@[N]!=O$LU 1RX0N4/V$>M_U[A#EIN%(D"],L@^5AD[9FKZO54I
M>0^0#M^F_/ITVPC(!GF>^/A"Y26L/R\OR];:HF')"]=Q\>X?J'Y8N!84+CI]
M:-UJ*$10U>X Y<7\0;O2YI6')":]>H]WKKB6-JNU\A<N]_IQ81'&@%63=S:W
MT^9AV0@?/;X7Y7];A8,2!3AU=P1K9VM NXK5KT:H.ARK46TK#LB8]-_'3^O/
M]QQ4EG&0RM2E*C-G(&N>57MJ+GQ;PR-VM80]33VT^EQ^E[=]L0Q/VMR[YG.(
MZ^OCI^O@]33UVL(:?EKK:]N?=XXL *99WY58AB?NW""7OWG#HI;[>>P>?H,6
M :F7(OXAM+Z>)ND-4Z.+=G7*T.2)A^GH;@&EMPUT'%N??8BQ)>]Z6I05M4UT
MMG#PA-NOR /+"*GRS<?$6(X<?5X>IIZ  ^5O._Q]6Q!+?;]-6&7.*W)84XY?
M?QZP[3)>W4?EZY>@"K^)  !S?.Y'C6D21?0'A?1V![=M71"<@VY_'U\.>!)'
M%65!QLP<TZ.><5AP4NP!S^??Z[^F(#@OF?*V3<7-=:NYA"Y"?&]KZV\^7KK@
M=":U#EP+WNV3TS;,50[3);7<!M\AMSY;B/7Y!4FMZYD<LJ^MVYPA8"WV#UT_
M3$=N>\^NH,72 *GIWFW#B#I#@A!MT'S]:<_'2^EXBQO6N@IWE3@"Y9V<%+:P
M &_E>WH<(EGOD7'R%WT>WSA8H6#K??RV^'JV$2!FW+6M^%8FPB8,(080A-9%
M%PBJW<))KH+IG1706(55%9%4HD4253.!B*)J$,8AR'*)3E$2F 0$0PA%+>4]
M 2*S=S(0<.^<-#-SM%WD8R=+-CM".TVAVZJZ!SHF:D?OB-S)F**)'CLJ8E!P
ML!T(8HT71S9/W3>DZ902%627]VC Q:2?OIE1%:86[!&I2^]E56Z"LDI;MOE$
M$3NA5,F02H1<*2"" '*@BDB"BBBR@))D3 ZRINVJJ<"  &44,(F44-<QS#<P
MB.N$(5PA!A"#"$&$(,(080@PA!A"#"$&$(,(080@PA!A"#"$&$(,(080@PA&
MI_&]Q;Y><#O#-F?Q(9DN"_=-#0BIH6'*:SNJ:O?E,VIBEV!0_$9Q+RAD4E#A
MHV9D=.SB";<XXPXB<)$I2S4V0G^99_*GJ?)S&W@L(O&XF7AT%MXNM9LB6*K6
M>0L,R0,X^4;7^9U<<1^<N9&?V9LBK+UOFA5DM5LXZ5.8X$7DG!U463;MF,)&
M<>U]RQ9HD'LHM4$DRE*  &/GVVL84_N0IR22LY*6IR2P H#:IH (_5O[-/9M
M"4(QJDA*$ (E C\J$ADZU)^(O<EWR*1D@MIL >8?KSQY=Z\>9\R^>=H^Y%
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MAP4O(/I_7SY=P80%;CO1J6#G,CC2'!2\@]?7UL&$2 7<OR'"C4HU7_0NN
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M$S9T=(X:VL/H/RUQ*D ^';Y,WARI&23/5*4*GQ;C=^^M,H4Q5:C14A14'LW
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M*(WB219+-R)R\HI,FIE)WU5>R10 #.N5LF?)JCAO4_\ :!_:!UG$2+*GJ3R
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M\:7+Q.@N=$2B C8!^&WT_/XE)!Y]]]O%I<U4LC=R^?(]ZQDFF*H6:*D 5!
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MIH&GP&V.?.DD$J%\QY/Q[ M'K,!CTSDB7,.@!S!HW3O6-C:>J'\:+QLK8Y1
MUP$0&^@ZV$/ITQK@L:4(C;Q6$1B92Y4Q(4E0+'AKG\VJ]#7H1D7FR506S%XN
M/: Q"#VS#K^( Z]_PZ:X]3L3:JI*TRUEP2!6K<AW=H_,'[2O84_O<3(EV=7P
M@.?+6S5&E(\RE:+_ &BH9 ^X?:%>?0XX_7V%#24"_P (RU[L\?C99=1[RBT_
M7KUY8S+ 9V\/G%8,8^_3UZ?*)[\QWE\H,9XB' :ZX1.7KWE]^,*)\P]>ML91
M85R+_P#)(^5*1$/DAL(=!\=K_';QL'QQG3:V?W]6T'%XPJOETY#AJ_T$5)(?
MU[[_ +<],;*#0&_I0T\CX1B7WE;YUZ@<(ZD^QDLK[3_@W2$I#@;,U[^%1,JJ
M8F+1E4&(84C&("G9,!3=D3DN(!8Y=#!R_:-1_H3& 7,M U']M+H0XRN'',93
MAZ3TDY!9XT0HWK2Q#<X^B6UFJA<$4^V/E2.B?A*#(WNTEP!,PJOB-5&9UDE#
M'+;[N1<3"#=(2'1<.3F.L/SK\')(49DF6E8<,ATI/]\)*"4DD%I85/2E 2?B
MWFB@Q$T,TU92;E3DBU'WF-VWFEN7#!HG<R=0IG  E')&ZR101,<$DU4# IVP
M*JHD1814$A@("8M5S&[2BRKL$DO=XPS<&@  ("4J315B@T(22"H$EZC=65$N
MI82EHS(Q$TW6HE)J'+*J,B$M=_S,S,%$DQC:K8BMY:,7;1M;59'+J$$"KQDT
MX9^Z/8Y%&J#E%8%_?)@HF1-0RIS"JD*CA<BA5 +YW:6QYTV648?%XN22"0N3
MB9DIE,?@"DK<D.&*G#_G(W5".K@]H)E+"IDJ3,8MN39*5A08%R%)8/7)P+ T
M,<6^*;AX]HS3[UW6/#EQH9ZE6!073B@:TK.>?4Z\NW,Z.C&R B9Q%F[)K@*!
M7T64J*B*#$FBA?'35^T>QR!.5B-JX1(#3$GW>/E@@*^+?W</C $N+2IBCO'W
MJR&5Z$HV+M8$RRG9.+)#[I4K!K(.Z3NI>=AR5,24>\2 0!)350U*R3]LYQM\
M)M?,*2XK6E4R'O#),%X_,-M]ZP\PB@M8WW3,$.W1*_!NDJ#=>*DXQ\G[W[94
M$9-'3(Q-Z79'M-L?:,DX;&R %2J*Q.%EC#;1P]A_C6$F;@FI!=)4M""5 J_$
M3*1XG;'LY[3;(G'&X#&KG2IM?PF-F+Q>S<2+_P"*XR653,-,9SNA:P*!4B6F
MWJAX2?:0<-7%U&L4:2J2-IJM70E1&C)YVS*J\=&N!4:>EC)-$)A57\1D(QPV
MB:E.BF=TI3Z+,".%.W.V:H23BL'.EX_!.'Q&'WBJ4""0,1(($[#J:O[Q.ZVZ
M0LO&C@O:"3.G#!8Z5.V5M(VP>+4D)GFE<'B0?<8M+EO@4)CA0,L;I,;_ '93
MT_Q:6VO^+3OO;_)_*X!YB/-IT\_MY\'S[SG4^)B'9)_T-+_X$G_][@P_3ZYT
M>U(.=3XF#LDY)I=-$D]?_C<*?K:_#AS^8.=3XF&BT='.5 5<QS!PH!>S[Q9D
MU5/V=1L!U$CB 7'8-.Z^N R^1O6WZ>L'.I\8E^ZHH L$7&AX,&GRLCZMH.)W
MCD3H:D?-K#/CP://G ,7%  B,9&  !<1%BST  '41%'D <\2Y-05/JY)^W/-
M@P%8/X",(YP14Q(0:R%*SC.%(XCW)R-:9BV0U4_[2[%H5VRDDV4X^+'E4>!'
M+HT_3AY@';^.6:3\*H8'['++W0^]O-5W40Z0[A)%CNO\3N;(8MOZ.+,\@>YG
M!(/Y4RTA2R[)"R74HRPI24D(1_$"I0!WI?B^]HOQQ\7^3&;DYE=E_GKF]2L/
M#NG,&T?M\R&-0*2Q6**4<X,UD8NA(&8.]:N&JSUY-+OVJ:2IUFLBRBG)5SI<
MC&SYPGB1)5-!""[+2G?"G91=)4E19-=_X%*91=0?1D3)Y4M:YZMW>.ZE*US@
MD(8J#J*2H"KO+)4 2E(2&/)BL?:*>T3C#22#;C4X@EV<:*B*,HTS#F6P2=_?
MO$'+'_%)*N6XI$!JFN=HV6>'15*5HW.8I2<[\5BI<WW?OBM94-X>^F398-4_
M M10&?=*D$)4G><$V'1EXFRQ5*R2 O=!2D?"RTDE0WE'><$@)W7+%CKF\]JO
M[3.-D$';+C7XACI$]TH=-YF#+/&QBIF(FH!FSI0S=43JE.(I(&6[20V_"8#V
MZB)REH(5,F?Q"BU)(IJ%/1) KNGHT;J% BMR3NL#G\0&=@1^9(J"P-XV!C/:
MB\95>1X-(_CJXC(V;7?OQ1,6O*FCCD,BI[L4C(-E&+9\B5JX:.4$6)6)3N72
M8J(-@3-&-N5-Q.U<-,WEA<R60@)4)@5NI9/Q+!6X;=5O*(4H@?F6Q4</O%2W
M4LHEI )4E:BH%PLH"2D+W2I090JA+$C<2'-L3'M&_:.0P*-7'&IQ&NY!FW5
MAF&9%4(,%5A3<K"610,[<23<IG#ENJDN( *"35..*#IN=18F5./GKW52YF\@
ML5NMUI2%/O(+(2HD I 8 IW9BB"R3*)BUU*2D%8#D!8LD[J5#X" +[N]\6\'
M<.9'?M5N/ ]/RS57C,XAV<DFBR>-7HYDS*2R#@JYFYXYLNBY<%>^^8*>^/\
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M39QJQ)JS$1]*[A@G7TJM5*;I0QRH5'42! ,81L1&6>$( 7'2Q0  UMRMMC<
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M[/G7ZO%12';;X;7^@[^ 8V$'(<#\C7.A!Z1B(<=^?*[1U']C"H!/:@\')S6
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MMY>O7+U?32IW?-]6[UCI1*=0B1#*J'*FFF G.H<P$(0A=1,8YOPE*  (B)K
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M&:73>E$4BN543F.DLDZ4(R02%$_OU3K$0,;57[]<PE1,U.Y28:A-20[ 'X5
M;TH!6\&L5%0H0M2DEPJA99"BG=!JE0)(<UJ"2]0&I%\Q)XFH8<_V5A3,3V?M
MQ5B2\FHH:0%%J+YI^,R"ZP.55 4%;W!4$$RH.TF,4T=./LLEKF5.E34H5,F$
M!(/O)<I*4!:M\*0-XJ-$CX2IC4/.4$_"*@F8&]ZH'=9M]TA*@'9]PN20-W>L
MY&\1&&I2GCNVQI5X[.FW>.9 I![2[I98S=HT=+O9(SY=JN#@RTDG]G5%,[1T
M";CW:CE=)TB.[+F@;TM"=XI2%$?"E/YB/W90:I^"Q^(!BI(I&=2UH4&0DBQ#
M@* )(HD;Q42!\1<?$?Y06Q<^111M]A9_9TA56!M[],@+G434'L)J^]!=(I03
M.)"@50ZIP*G[PY@**I]J65$G?4YW0[5"7 J/RFI&=B]!01L/^7>#AP5,2VI(
M9G2"SA@&II%8BI"<:)QA(I,T>;[4V0!8XJK \637*Z;$(B(#[\Y'*9+-2>]1
M<F.FN@U,D94$ZJ1*WEJ64JW?BI1GH5$@D$,_Q7#,7(>,<P2U%0+*!EJ#4S+*
M8D#<"@IB0 H?%\56BZD6ZT)&O'$FR9KJE>K-4P?(N%'+@Z)/>+"T(HKV@30$
MA_M"RB BJ+U%FS6,"YR-M:81.6E$I:@-T$A!"0'_ )OAW@2"-VH;=*E!D@*H
M!OJ+J4/R9T (("V'YJ@"BJ"I -8LVJIUI4Q".6!O<)H"  <ZZWVPJBJRHD42
M!8C54Y# 8Q7!R^_(FFFDB!P/[LBNS(E*P[H6E]ZXIN[H2 Q <.FX?=)=V"1&
M27+"&HW(/8U=A8$_"&H&K%LBT1>MS>^=()JD Q@[!4@3,*0D^T&*4Q1.D5'L
M]DRANT8UA44[)CB9?,%*2JB24EA6]0=T$@@$JNUA^46^&P^%ANJ+D OI8.HT
MO71BPH*7S'PT#'1 .VS%A(.' I*J*O3E=&3(@X.DBY8+,5$D!1%9-TS?)?:U
MB.#$'WZ %3*">JJ?.5-*5J6A(!!2D,]$K90F))!8I*3N @$@$DQC5OK4 %*0
M'#!]U]X65O IW@X(!3OIN P487/4SX&B,/#PD>$&6(7:+L'X'5!1V\7/*KJL
M2LV\> /78I)1B2"S9:SPA5$5#@DFZ9T$A(*ITV?,]][T*2N60&2EI(W]XK^!
M&][Q2@H$RW<'\JK"6%*2E<Q8(5O.2552A@ ^\1O&J0DH"CNIF%HV&X.:9^VY
MM9,U.,>LFYI/B-R65DA*<1:-XY;-7+J"10;OSNS,S_:Y*J45BI,8]XLFW8 H
M\=HH/8U1S9:R,;(E[^\B<AD_" 2O=G3"I2:+^%&'(JH.5EDNB9N[2$!<A:TD
ME2%!14UT?"DI*M25$FMQ5BP/U6.$[_DJK_\ VTU/_P#=EWCM=>W^GI$+8MX_
M3TC=_"*080@PA!A"#"$&$(,(080@PA!A"#"$&$(,(080@PA!A"#"$&$(,(08
M0CBU[67VQ^1WL[,NIZE("<A\PN*ZH89PAE_E-%.22"E.NWJ"B3.K\QCM3BG3
M\!&J"5VC&NUD9B?4*DWCVOV11P_:Z.+QLO#I4D*!FM726&?>7_[J;JT9R._L
M38&+VO/E[LJ9^'*JJ (5-:Z)5*G^99^% J25,D_-BDYNJ\PZVJO,W,&7=5!6
M]=5!*534\V].*CF2FIEXH^?.5#F[0_C75/V2WL4H%(6Q2@&/ ;4QXFD2I:G2
M'<D_$HDDE1XDDY!C4 1^M/8/V2.S):<7B981-4E(0AF$M   2,_A 87O4DF*
MN0P6 -K;> 8\Z07+ZY=YY9Q]5B;J/[_+]-\ 6R!YQF1,:[$\1;CVU^$1Q<L3
M0TI04N_+LLX>,S[U.5K/8UT8VH]@=2VFWKP\L2[TZLP8:L]W=],W(H99\O(-
MT) =[Z<<C#LV&X=_7?7X? !^.*$/9^P[4)^V<44@$6+9-]OHUGU@OUW];=?K
MMIB""+B,*D$=]+V[.D%@$0T]>@MB(Q^42G$0M;UZ]<\(1)VC=?S^N)"2;"G,
M0@[9NOR#!N=VK3E\X@D"F?*_RB01UU'7OPM;OKYBF<5*B78&[4^7><)FYZCX
M:VZ_IMUMKOBR0[U;EPZ9%HC^&U5,!0!V;Y]M9L:W:'H/UMIW?'E?GC+%%7)Y
M9<*TO7MXE]>O6V,KLH')0_3Y#QC$L6/3Z?.)1-80#Y^N_?%B''ISC$5,0-<W
M:'S)V9LJ!BC8 'OT$/7YXUYDL%RP<7 TU%.G \&C?PV)5*4""S%SWWQC.=%U
M/V3H)*G_  ^\(&^US!?PTZ<M1QRYJ-QR+5-J/^K^/$1[;"XE.*E,2-\)KQ'U
MT\-&YRR)NV^=&ZK*#_\ 'FQ^ZI89+=V'SC^2<,O7H=L7A!A"(^O7G?XX0@"X
MB%M\(0N&@@/3%DW;4$>7UB?+MC^GRAV3^;R'U_3Z7QF2;'D6OT$45;J/IR\?
M5H?HCH'K:]OIJ/AC9%"-.W\HPGL1U']B^H4OM1>#<YQ$I"9EOQ.-@-8H4358
MB8 -<##8+]D0$!VL-\<KVC)&Q\9_H2R[:3Y>0X>/",D@?O!5_P ]7O\  H,>
M ]=(^AK$LT!47>(M45A<&.=<?<(F5="8AFZHE]R51T":B)RD*V.E]G1(6Z)!
M1$PF\4F4A.\0A)WC\0W4UWANJ4X&\RDL-QDI%6!!C14I1 22!<@@FC%V_EI_
M,'-:U$>=[VON>D7EGQ2T2TJ:BLREZ/@\B*4GG.<%/T54-0T/2KYUF!F:D#.3
MJRG6SAY3\LT08M'I%VK5N";-XU64%J!R"MX?;^U]D8;:^'V9B]I;/DX^?AY7
MX;!8C&X:5C,0%KFE*I&&F34S9R2K>2A4I!<I*0'20._LS"8N?A)V)E8>>N1+
MFJ$R:B5,5*00A!.^L)4A-% G>4S$;QK5]PS^TIS:9P[!_2.:E+Y[46G[HCB
MK";"LW$>C<2ILV]=,3-JRB'Z:($ $JJ2J(K4Z8)&BA$!5-MX?:&+D,E$[WJ:
M/*G$K8#(*+34D6#E2<@DQBFX62HDJ09:A_'+ 2*FOP.9:DZ[H2HWWM.M.6'M
M&\B*Y]TPS&:3>2TPJ8B8*U /W]12R@&$"'0K6%:@1FDGV#>[6JV*I@B5TS)D
M]X?LEZ:=JX::DC$(7(-/B#S)9JX)4@ AB*%: $NX+QIKP<Y']F1.U8;JQ?\
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MLDV&0<WXER]G/&\?J7V<]CL#LF5+4J6E<X)'Q*2"S:!A1V I1J-:*B4   *
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M#L&WI:@*;R@U.I12IO*CD$@136!")9D$EA A0.^D1,42$!806(0R9U2$,<#
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M"2;6GZ6< >%DGF-<\*ENE3%:5&7\!42H7 =DE0'Q%*5%0 ?<(--B9BDRV3+
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MB/H/6P=;\_AB&NUJ,X%>1>M"U<J."YBP\\^_2(;Z^/D&FG(0OOW?#"U,J"_
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M"BRDD_Z8)!/!P7+%B'&O/&7P0Y7\7T!!DJQ-U$U?1AW2]$U[ ?94)VG3OO=
M_:@=RBNV?PSU1JU5?1#]LYCW8-6RJC<SMHBN''VQLG$8Y")F#Q<W!8K#G?DS
MI+%!=Q[N=+W@5RP:G<*% ?D6FN]T,'B,( N7CL'A\=AYJ3+F2IZ0H@E@52U;
MJBA9&H4A1_M$*#"-1<BZHXK.!_-).(SJH8W$;EG4<M3<?'9PTX1%S75(H-I!
MS'1#>7AYQZ]6C8:,0G'X/74"NC%LDY&1FW*#=9=\Y;^9D[3QF!Q",)M_!S=Z
M=-$J5M/ I5.D$JW0E6*0K<$I)&\5J4):4%2EKQ,U3).\K8F'4E6*V+BI:D2I
M8FS=GXY29<\%&]O)PDUE;]&W4I*BIQ+EX>6EUIV"XH.)IEQ+Y6UE3O W2,7G
MW*YN45_ N8CF,I<*A,PA',@_:NJ,G&<T[9QU,.I%A5D_-MYM['/F+=\S4&52
M13?IU! ]4S43Y(F81<K%R%CX)TE6_*4%$?"5$.A9%0E2$J%RD [PXN*,Z7/.
M&.&FX?$*"4SY<Z44S4,5$!G*2D**E*F(W@[@+WF;R1^T@I"IZ5K!?A6RWX<)
M"EJ>R:>5,1"/293%8Y@5 YCD6,V]<S<^5[.1:3:GH5[')/R4@HTIR?E4TY%)
MG* :!>2?-Q,I96F4F4H!*BHK1O*4*?"0R200D@'=8.26/YE8\')=:RLJ24JW
M4[[C\JB-TJ*RDJ51 W620FA%!'(I]D/Q *R"GVGA[SA>FIUDFM+Q9LKZZ7<(
M+NE%XN-D))L:#4.WBW$@Q,W8/G+=%%P+59HFO^$I$2<)-E[TM,N:"2"%!"@4
MIWM[)(NY&;DN 25/TD,H'XTC>W2G\M$ !T@V2H@$J#G>;6ZLK[/GCS3DJ=:/
M.#OB3:NJF!PI3[-3)+,ILM)%09G>NRHF<00&3= BBX=K(N#$'L)F4;H)M 1+
MC?3AIX ?"XAEBPEK(=)8T9["ODX:-D+E5 FH)S!*>>K9-:H-W=K3J+@BXSZ?
M,X;U/PJ<2\-]WF$7Q7V2.9"+(#E_QHA]J/ ?9E!,F8AS]E8XD5[8CV"%*8*F
M3-E5.'FARP49,QTELV00!H:.*.22(G>17=*";!E)%,Z6)#U85:CD5UU48_94
MU&#DBL>Z(X*!TW#%PBX%3W*! (J4Z23@5@(!TS)."I)E41<>[5,*P%+A*E[P
M)&]0T< !)=QXLQ2Y((*@!6!H02+,"Q!##>J'>^;.6 I%]'8N:432:PRR)IMW
M'D;OG#=8R#@Z#L%/?-W*(KK-D@:'$[3M+>\$QTTWJ!$504.35"C/5O$J$I*B
MR%6)"B L.$J!+5% '5^8%,8B$K253:HWDJ0-T%BDNU1O&P4X8,Z1O,1"4R9P
MDQ28HN7"3&3,1TLD@X<%8JKE.B15RDS.2X-U#)M2IOE$TRJG:D1*D55$R)*)
MWRHDCX4J4E*5 /\ $$DU!<*#53<U)) #2CW=%*2!.#L6=@-\(2^:B%+#)460
MH9*43UR]DOP@4+FG6JV?.=#1A75"Y=U>UI"C<DD#)+S>?&< PD=4;.DYUG(H
M"R_P8TO"/HVHJU5E&YHU803:O#NX3[[CWN[)]RF69\Z4)H"]W"X=.Z3B)^0
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M@A(/U%EC)=W:FSE8Y<OW*I,DJPN'5B%).\%3TJF>]W1+W]Y;&6"0=PLFKT/
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MM(Q6.!)-RLLDJT5?LWPIK+I%:*C<6YBI&21(5,_NU#HK&(!1NK%*420Z%/\
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MU+0+7+N-D)NO:YKQ_(K2JKF9G*\GV[I95"3=-#M6$?#R4=&,&;,6HI%;,V1
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M.DDI60I9^,J%1NI!&[N81<U10M:WW_>.%%RL.IB&( W:BJ:AFR)]V.3FTO\
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M)"N '"@\WCW_ 'NF[4!$BZX \!6ZIRL3J@8RJ8KJN3)"F*I5!$QSJ'<G( +
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MAU%ZG,"MJO'1V/[,RMFS9N(][B<1B)Z4I7/Q4SWLS<2S)20E("7 _,"J@8L
M!)7F35!YM5Y2&:3NOLW\K,Q*-A'-+LJOR<K@*(G7]+/'#UVO OI$(N2<IM15
MDI&RD<HP<')(.4W"BY ;_9[X+;,[!25R B1-E+5[P(G(WPE=/C2-Y(>@OO6<
M-%=K>RTG:6)E8HSL5AY\I!E>]PLT2U+E;RE;BG0L@.M54[I^(@N+2Q_"]PTQ
MN5N;>2I4*TD<OLWZT;9A2,=,5(TD)"D*L9%.FQE:(G30J<PT<-$1(W][4CVJ
M%WC9-1"16>)/I4DAL*]HL29LJ</=A<I'NZ)9,Q)N)B=\I/#=W&R%$MI(]BL$
MC#XG#?OE2L3,3-(5,"E2EIL92_=[_#]X9A(HIP5/+07#QEC0,I5M4R->YQ9L
MUQ5N7\AE;_'&;5;IUA4U-T))MU6[J#I5T:'9M8U(Q5C*%6<LWZB1S+D0]RV?
M2+=YCG[=GSA+0F3AY"$31.]W)09:%S$G\RQO**N04EKW#QEP?LAA\.N=,F3\
M9BIT[#JPWO\ %S1-F2Y*@1N2B9:$IO1PILF25 W11N7>6U*9")\,2S*7JC*8
ML1-P3AC4[Y!Q+/&$].R-1N#N)"(8PR23UG+2*CJ+>L&3)Q'JMF3A$_VQL#DV
MJO:^)F8S\:Z$3BM*@)84$ H2$, I2Z*"?B!*@7(L6CH2O9K!R=F#9C3)V&"%
MH/O5),Q0F3%32YEIE@*"EDI4D)*6214 Q8V77"QE!E[6&7-:2V86>6:I,G52
MNLHJ/S7S!2J>B<N'2/N#,'-+P3>#B2LU8I1HQ4BR X^R-58^.5,T56CV2K;?
MG>T$^9*FH3(PTDSJ3ER990N8,PI16K\SG>^%RYJ 2(Y.&]C,+)GRIJL1C,4,
M,7PTG$SA-DR&_*9:!+2VZR=T;VZ&!;>2##2K.%')NJ9S,>2A\TN(++*ELX)A
MY/YH9699YEI4YEG6DG(J&4EEI:FEJ>DO>I2ZBBOVYJH[5; DL=JR29-0203M
M*]HYR$2TJDX::N4D)E3IDO>FH HD B8FHR+ V?>-J3_8?#S)LU:,1CL/+Q"U
M+GX:1.")$Q2B7)EF6HLHOO!R+MNBUTUMP]Y-U1-T+5%#U;FWD!5F7.7\;E7
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MF<;P 4D$\Q$Y1G-R[;[='I*.G\LW.9<CE\-UW;M(JBIR+KN06,<1N<#"';T
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MM.NQ8-RJK1S@S%O'.U#N#JK(B#8BB_;336+[Q0"G$"HV)_ROMW*-GGF5-44
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MKA*YA.\2!<."SV  MS^L>,PV%VMMJ?-7C)F*P\D(4I!4F9*E;Y!$M$I!"4D
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M;H8[[F@*7J-T1&&]IMF8G"JQ<K%X>9AD)5[R<F8D2Y>Z'49A)'NMU]XB9ND
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MO\1C,2LS#+=9.X)&&E3ITQ<L)F/N)2I.^8N'-#/#B7B?9N0D]F7Q/YW2$UQ
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MMG'V5D1$8\R:ZBSE45VZ35)1YRIOM8AEHD;.GKF@!83,6)2%H+D[JT2YZC,
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M(EIF *" Y94T.5*))^D-$4S%T[ Q=-QC4C:.A8UM%LFZ*9$DDF[1N1!(A"%
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MA&TFVK>1A6M(4$RIVH653ILH1==&1GI%=RT2(1NM(ND6#9-$3@J0D8)Q#L.
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M);@-NTY5M>P;A<+\A ; 74+=K;$#9N&;_; IK*-^?O!^D/QT^H.'.CA:=/\
M0/C]G9*YVUGJ4(V'OH!2BLO<;7 ;B*OX@OV0OV0L%P$!WP_H[#M_MA%*?V)K
M=JF<SZ^F<6&.F_[W76C^\12K$L)>CYT/ 0Q'.*LU+]N,CS 8/^5/%$RB4+
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M=[2FXZ\X1#2"R\$?^T]0AWZ?\5?SZZ^%T\3?P)X4#V>_,:T/LILPDDSL:/\
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M (<Y1:+C(.<3<.WAZKSC:H(E47(=/-VK7B*JJIBD A&):OD%A3*0HJH_ZB!
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M>R)SJ$442*42D,"9CE ^D9.V$DB9BL6E3$A(]V6NP*C+W;ARRB ,P2T;"5X
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M>4(Q'[M44/$RR+=]'*+&CE"K.&;2@]KES)R/W$GW145+EH7,*ERPQ"@I2TI
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M/WXMY18KU+^;NN.F_E\Q^NV.AAU?PGOB=,O"/.[3E.%<0<F\^'+PBV71-1Y
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MDS)>\F8M/N_PLN5)]RI:Y:% [DT2D).^I2)F_P!"9BY&(F(W%X94S<5(F2T
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M3NE"G%: $I!9KL@"CB@$(Q,BFM!5*P#\*<E 2B*A@ 3B6S5R40[($N<.Q<+
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M,(08=\!W\LH1$!$!Q%\M>ZC0_*((>%>V'AAGG8VZ9TKIXTC'N'S%:<>SZ&\
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MV>XD'L$[,'V&V/[OW'NEF4RFE^]/NQO/O;J2&3O/7=9^D8D^T<T )$K#I#,
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M0Q5D>.>KVIT5&W#=P.('0%P*)T^$K*M,R8ND0;NNR8L6 A[] H(*AJ!TOP&
M2W*-4^PNPTIW$X=24.L[HFD!UI"5G= ;XD@!6H%8P*VZ5EUX7 JR=6#E*+/8
M.*5+TN>;PB/'#50F[8\-7 QV^T)P-_H2<J[@<PB)C /W5H(F$1&V]QWO?%D>
MPVQ):0B7)6A(LE,U0 /  4Z1']-(SPF!LQ_Q*389<&%.$*!QSUC[LJ <-_ W
M[DAQ4*E_H2LK!(4X@4!.!?NL0[5B@%[;  ;!BLWV#V#.;WN&5,HPWYA(;0.F
MUNS%?Z:EN3^#V>#F?P4GD]J&P.N9B*''-5[>X(<-W XCV@.4WNN$K*PO:*H4
M04+I%AH<IC 8-A ;" @.*R_8+8$J8F;*PQES4.$S$+*5I!24EE  U22DUJ"1
M%E;;WF*L+@20U\%*HU00>';0_@>/6O:9E8F<I_AXX(H:7@I!E*PTE'<)N5C5
M[&24<Y3>,'S)PE&E40=-':*+ANLF8ITU4B&*("4+3,]A=A35)5-PREE*@4E4
MW>(8@N"06(OG40&W5!06,+@=\$*"A@Y0.\DN""U""[:&NL:<U'/RE65/4M83
M:B*TY5M03-3S2S= C9!66GI%Q*R2B+=.R;=%1XZ5,F@3\"1! A1[(8]?(D(D
M2T2D#X4)2A+U.Z@ )KG0 OKQCCXC$+Q$U<Q5"M2E'FHE1I:YIPI:*< W !QF
MC5*P*7,=#>&;VJW'GPC0<=2&3.>TPA0<3VRQN7]91D37-'QZ2JIUU4(N-J-H
M\7A&ZBRBBIT8-[&$,HH=00]X<QAXFT/9[9>T5&9.PX3.5>=*)EK4; J*:*9F
M=0.FC=S >T>TL"A,M,WWDE W1+G)WTI&02K\X8-1P&LT==<A_P"U%<25/S,<
MTXCLA\K,QJ5,LFG(RV6)Y_+ZLD&XF %7:+::F*LIN263(/;*Q!O!IKF#W?VY
MN4P'+YO%>PLLI)PF*F(5DF<$K1_K)"% 9 D'K'HL/[: J"<3ADL;JDD@@<$*
M*]XT=M]-Q'KSX5^*G)OC'R=I[.W)"HOOVDYTIV[IH[2!G/4U-M@)]XTY4D9[
MQ0T?,1YS@55,%%FSA(R3MDY<LUT5S^!QV!Q.S\0O#8I&Y,175*TFRT*_B2=>
MA8B/:X;$R<9(1B,.L3)4P.E0OQ"A=*A8I-1&QF-2,\&$(,(080@PA!A"/(7_
M &H#@4/-4E0WM ,NXT?XARX&,R_SG29I% S^C'SM0*6JESV"@HHK!2C@85VL
M<QK,7[ H !&PCCB;8PHF(]Z [C<71Z_P*\?A?BF\?1OV?;>7L['HPRED)W_>
MR:EA4&:@,<P!, %R%<(\U=8-HUQE?DAFHA5$W5,QF%3TVC5 S116"%FJ/FU8
M%O$L7Q^THZ:I0*<.LF"RAU$"J@D42I%3(3YO/P_NIBD;U]YPQ&ZRE !R2?R[
MIX.00P>/V-[-;>&,3BI7X?#R481<A6',GX?>R\5*]\N9,2*!9Q'O05  %MXC
M><Q0V2P+MTSAK<.^W+3USZZCCD3D[I;G\ONW*/JN'F";*0L$5&O>?A:'GKUU
M]=^,,9XD,6^H;],72H,4FQ\N_6 +%X;G+?EKZOZ'I@/AH;&Q]"+]E](S)+U%
MZ4T.O>D4Y=/01\PZ6Y@'?^M]\0L$BU1QS:]*L1\Q2-J6O/2_Z>%?I%OO$;@.
MFX7#UKS^=L::Q0\.0_3B'X1U,.NU6^=.==1UO%BRB W-IN ^K]/SVOB)9;G?
MA3L/S$;$X;Z32[YN;99CEIPBRW:8]-].?R^FOQTQU)2G /!S;J^F1CQFTY%5
M%M:T)Y^F5(MU8O9->VWK<=-M!UY<\;%QRKTS[^9KY.<@U'A?+QX7TUA(-?+Z
M[7W'H/C?? ?7TC70 &?C4/9@U"!2H[M, V$!OT^'/U],1%X=E'2VG[;B/?ZO
MA"(Z7V'RT 1L-_ >6][VZ7PA$WEW:[V_KWC?X80B%@Z6OX;Z!:_?X=1#<,(1
M*).@]_=Y;_733K?"$)B%M,.^\O&$&(O8\*=D>/SA"I3WT'?NQ#-\GKIG7@!9
MF>K/%"DT;Y!KY!AF7B;?7YAZ_4.[$V^[MXY<(L2WT%S!;IIZ[K>A'$/1R&H_
MT'U?SJU=YRS<+^)U\(!#UMOOXW\//%N^\_*)"TGAS@MZY?#$/YV[[^405UH*
M"_I!^_KY!K\,"1WE?]/'C%B:4J>'9[;6 >G=AP%=:VS\<_4QB_O$D'E]^%O#
M@AB8S1 /]D3'GVR_]\'KSPB#^4\CZ14U'AA5/KJ!S6M?_*&V/WQN  /NF@YV
MC^,>^7/4YN7R=Z=+1 7INH^8"'ZX"6GAXD<Q]><1O:>I'_O&( ],//X (_EU
MMA[M.J?$O;D]OTAO5S YD_/IE +TW6_+8=QY;#@$#^Z.9_4CRBJE9A_,U\3T
M+B)1>FZZ=PV#ISMUY>>@8O[L9^E7RU@DYL_ ]GGF.,2?;!_ROF'3Q^'3 2QE
M_P"R1YP)X'R^T1^VCI^+YA8->[ZZ_'$&6.&7\)^_>3026RTOPXAXG^U]!O\
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M19KM$;F"W>&W]>\+^(V''4EJ<#YZY7IDUM+Y>%VEA]TD@4KE0:^CWR>S10E
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M7/GUW4GSU''BQ+')JQXB?+W5J!M;NIT[S9V]>M/ABP RX\V((S84S]:@1J,
M[5J79^-<O"NCU B<F_E^F*16'Q!N(=_YAZV^@X@V[M8^7UB#8^7,5AP!;]P!
M^6,7*YXTXN#7C5P14Z1#G-_"O"MJNU*CSB)B6#>X<^6_KKSP!X"[NUN]-;-
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M1WH\4_HTO_:N;U17,C^/1L^A+")_O&UC>ZWT_GYW[RZ\N^Q0#3%A^TV27_\
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MWB;C._G6F@R:UFB<-K '.^FG+7X@%@T_08-*\&K7.A\34OYU$.32IS\JCP%
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M%%?F,3AMB#S?3O*,9N#2G== SE]1TA4G>'+0?/E\>_$1"[#G\OM"Y;\NNO\
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M5$](CPO97YLMJ5I>GIZ:9&)!PS>H<O(F5J ZXA'R(RK]!,BXKNFK8D)E)(E
M)<+6LE5?R!3 '*H>-5&Q<//_ *"ER,,N<G&[0QD[$8@!9']'X;$^[0A:P0E
M7(2I>2MY0!+[H.C^7]'Y-5YQ-\:-8TMEA"3^7N35$Y[9NY)Y+"XJ!>EI]M2M
M?05-49%32<9*LZFFZ=I6DJB=9@SL<RG6+B7:4BY1?/2Q*L@F?"R3,F'=<)0M
M2$N2#5@*58 DT(?=XQQ9,K"3MH[7G2L-+F2,)(QF*PF#5OJE+$J<B7*2L)4F
M8M$N4LSUI"P5"4=XA.\3LA$Y9Y*NJ)R^SNJ[A;HF#E)G@>XA,]W^72<AF5"T
M+4==4+GT2C:#JT(Q2M#51&TS(P*+95Y3\943!C*1SQ^:#<13)_$+QUPE#!9E
MA/[M:F<@.%[H+:-QKX$;)PV#,F1C9NS)*%JV+M'&JPY.(ER%XB1C4RI$W=,[
MWJ990 2A$Q 4DJW"@*24M\N<M\G9_,WA$R.E>'R@9*F>+S+U#,O,;-=N:LV=
M3T:YKJJ,PT9J0RCDVM7A3M(4=P]QU-HMQA96$J CQQ2M3#6KB78OFZ;"J4I)
MEH* 1,3O*54;KDN4EV2$LS5=B#E&&1A\),Q&R<"O9^'7+VOAOQ.(Q7[Y,R09
M\S$!9PBA-]U)DX!,H#<6B8"94SWQ4"XK&7/"QD;7V3].YDM*%1=R'$/D)$Y.
MY,1D9)S9#17%Y1T!GNI4DXQ9FD5E'CZJ)GA^H%N]A7JBT:V_T2D8NPCVZ"#-
M%M8(04@BN^D)2 ])HWW(<FY0*?W[9Q61LK S\*C$ID!2MH[/1@L$A*IB=W:\
MJ7CS-6$E1),U>S\."A3@':25)"0$M@_,VK<G,E:\S/R5I>+B(DF64BWHDU1I
MM7\_(.*YI'*A'+BN\P:*D/\ 5Y$Z[D,W&LI5\<+A_3%*H1S&/;0\C$KG2D&F
M,J2C>0&!2X?^\$L2*?F*@]P&9B\<[&3L)@IV+P<I,M'X97N/? &:OW\G!?AI
M^(D*^+_&%8L+G))5*E!*4I0M!9:>?<P_:RDQ+2;*/1B6<A)R#YI%-A*+>,:O
M':KA".0$B2)!19)*$;I"5),HD3+V4TPL0,%S85Y_+PMTCS:U)6M2TH"$J4I2
M4"R$J+A M1(8"EA#4FP<P^NH^M\1&LU#7AD_//RZT%7Q-]K:?_>_U\\(*N>G
MH+_.'R?\P^&_R]6MO\8[[;2WSC"FXZT\^?7AX/V_\Q.O;+\.U<?IMKOX8J2R
MAH?7EX"ORB2V^.?9XUN8X>J!<YPZF-N'._+3701W&]_"^.W'Z<-R]\XCA")R
M;>!K^?76^]]@[ML(P&Y>)PW'RZ=_0?0WPB.^^D381A5^8]Y0816)P_N[<OG;
MII?36^OC8!Q&N7/NW=(=]_:%R?S!Y_0<3&)-5>)\>^$3GV\_R'")7_U?_>B?
M",<+$_E#S^HXQJ_..GK"'6*YWRZL.!U'D:YQ7*U7%,G.K78^8B<F_E^F";WM
MGV#Z5MPBA_,:7:E\AQ'K]85Q!OW]3ZQ55ST].0](G)OR_/8=O6V'V[:(A;N]
M>7C^F(A"X;!Z#RZ<NOC@;F*#\Q%&SZUZW\C;-0H#8!L'C\0[[_+\\6TXYOS=
M^Q:F<8U-O'NU_/QB<NW/P'EM\NGPWQ!KW;A8>44)JVMNF5N7ZW5)] [MKAY[
MW\+XB(78<_E"Y+W#Y=+:W\=_*_EA&O7>]-&8^-^C^*N$0N_2GG"A?YA\_KA%
M#<\_TA0._P"OCW#^^G3"(B(;AXA]<(0\ +  CH.X!TTU#GYZ<QQ L.0[I^D8
MBY) =K'G7ER%<ARA0-AY\]_U =M;_2P8'[6^XO1OO%>V<9"]LJOSX$PN-^PG
MIMW^73OZX@?F5T](D_E3U]862O<0UO;H AW7Z7_/7%5Y=1QX]_6*'OOOY0OY
M#?;3KU'D'CI<.5@#%1S %R^8^?R:A!B*'/GQ#&@]6R+L7$3X@7&C_.,?\0YB
M_.%$^?U]>M,2>_T-;^)?D++Y]/&O?&%,5C'"@"/:#7EL&WAY=^M^ZV$(4P$(
M,3Z.*0A4FP^/Y!B(0J7^8,3WRM^GWBJK'EIW7TS:%O7K]\1&'OO[081D1:V?
MG3[:,WA.3F'AX<]_WP@NC=?DWH-.L3AI\?.UP^.^NVOC?"*7MH_E7T_2T5&)
MDY*$DH^8AI!]$2\4\:R,5*QKM=A)1DBQ73<LG\>]:J).6;YFX337:NFJJ2[=
M=--5$Y#D*8J)!((4"0H*<$."""X(-P00",\[QL+F+QA\6&;K-"-S1XDL\:_C
MF\=*Q*<?5F:%8S;$\=-LPCYMLNT?3"S=V$U'E(QF%'22Z\HS*5N^5<)%*F%S
M,6JZU'J<XV)N.QDX 3<5/F )4EES5D,H,H&OQ;PHHFISBQ(#//.>F,Q66;U.
MYL9C0V:D<T:1[/,2/K&?;5FC',8!O2C.-"HTWX2IHU"EF;6FTXX[HS+^'T$8
M44#1R96V("E [P4=[5R_C&-.(Q")HGIG34S@ !-$Q7O&"0@#>=VW $L2VZ-U
MFI#V5X@<]9S,M3.:7SCS.D,VU63J,-F6XKFI#5R2+?0#NE'<6A5 203#:+7I
M9\]IH\:W=I,?X?=N(8$ CECMC-]1.]O'>U>MF](E6)Q"IOOU3YIG,1[W?5[P
M I*" IW W"4,"VZ2EF+118O-S-6&-EO]T9DUY&?X'91[-Y2!'U=/,PRPF)&;
M2J60ELOOL[]/^#I%]42",\\>T]]WN7,RBE)+*'>D*L$;QI4_#^6MJO32M8H)
M\Y/NMV;,'N"526F*'NE*5O*5+8_ 2KXB4L2:FL1CLU<SXF2H28BLQ:XC97*Y
MNNTRTDV%53C20R^;.9V7JAPWHEX@^(XI=!>I:@GJ@62A%&2:DW-2LH<HOI!V
MNK.\IP7+IM6U7IU@)TX*E*3-F R01*4%J!ENK?\ W9?X05*4H[I#J)-WC>G)
MCV@!,D<FHB@J-HW-Z.J^GZ>JV*CV[+BAKHG#7*5/5+6HHY+-BJN&.2IN88RF
M9=/L:@36BEH7,:FJ'//P%/5$]HA=TUD6\OD$W=2  IP[?$=US_$4EZ\'9ZM<
M'?D[2_#R$RT(GA:4K  Q<W\*5KWP)R\)ND*FI"@V[-3+WDI64."%:.9=9IYF
M90SRE4Y4Y@UKEK4JK0D<M/T)4\U2DPO')RD7-$8+R,&]8NEF(3$)#R@LU53M
MQ?Q;!V9,5VB!R8DJ*22D[IU%,WOT%(Y\J=-D*WY,R9*7^7>EK4A12Z2Q*2'3
MO)2HBH=()J(OW_1/<1ALU2YY&SSS6_PQ%9%BRYF!7=1A680Y6'W6$($\$B#\
ML$$4'W8,&"WW4,>/V$6?V011%OKWM[>.]KF0S=/TKE%_Q>)]^<2<1.]_;WOO
M%;^ZQ&Z[_EW0Q39KI9HFC>)_B-BLTI7.Z-SUS8:9P3K!2*G<RD:]J8*RFHA5
MJS9&AI:?-)#(24+]CCHYH2'>JKQJ3:-CVZ;4B3!H5(%K?>WCO,Q+D^9\^D5.
M-Q0FG$)Q,X3S\*IPF*WU)('PD[SE- R2X&Z U!%1A.+/BAII_F%+0'$1G5#R
MN;+HK_,V4C\S*P;2=>2)$7+5.3JF03ERNYB32:/'C)&2>+*OD6+QVQ2<$:.5
MT5)WUAV4?BJ:W[>*IQV,09I1BL0DSR\XB:MYBF(WEEW*F)&\:L6=HJK/C#XK
MHY[7$E'\1^=C"1S+:PS/,!\RS*JQJ[K%&GH).EX,U1.$)5-64<Q=-IA LWKH
MZCQ&(.M'%7^RN%TE F3*G?4ZKE[T86X6X1(Q^-!F$8J>#."1-(F*!6$I"$[Q
M>I"1N@W:CM$M)\77%/1!*W+1_$7G730YEU#+U=7ZL-F95[!>KZNGRJ)SM6SS
MA"6(N_JJ:2542EJD65--221Q2>/ED_PX>\6#1:@Y*B <V8GG:HKTLEX_&RO>
M>[Q6(1[Y2ES=V:L%:U?F6HN^^K^)?YB*$Q1*6XCN("BLNYS**D,ZLT:8RMJ8
MLH2?R_@JXJ*+I&53G&Y&LZB[@V<@C'G0GVJ236>0! J,VU23;2B;M%,A @J4
M$E(40*T#Y\M?O%$8O%2I2I$O$3D25OO2DS%)0=[\WP@M\0HIOS"BG$8_I&KZ
MKH&IH2LZ&J6>HVKZ;?HRM/532TO(0%0P4FV$10D(>9BG#61C7R(B(HNF;E%9
M,1_"<+CBI)2'!8AF(N*QA3,7*4F9+6J6M!"DK0HH6DC-*DD$*T((K#QU6]9O
MZ7CZ(?5;4KRC(JH):K(RDG<Y).*;CJIGFD:PG*D8PBKH\8UG9AE#Q324ED&Q
M'[]M&L$'*ZB;1$I**4K=3\1R(#V.:A:MNVC$N;,*1+*UF6E16E!42E*U!(4L
M)?="E!(!4 Y #V$9#S)XCL_\YX>GJ<S<SIS0S+@*5."U/0U<UQ453QL2Z*S+
M'@^:M)>0=HA)?=Z:<?\ >1R'?BQ339BX^S$*D%YBE*2RE$LS DD#D\9)V,Q6
M(2A$_$3IR9=4)F3%+"2S. 2?B:F\?B:CM%CH5?5B,'#TRE4\^G3D!43^KX*!
M3EY D/#57+-81A*U+%QI7 ,V$]),::IUD^EVJ*3]VU@8=!=PHE&LR(RYMEES
M-Z=!7A6T8E3)@EH1OKW$E4Q*-X[J9A"0I838**4H3O .0E.0$9CHSBFXELOU
MJX<T/G[G#2;K,J7>U#7[JG\Q:KBW=85')F=FD:DJ!TTE4EY*I'HOWOVJH'*A
MYA<KQX0[TQ7*P'D*4"IE*&]4U-[/SUS\8NC'8V3O^ZQ>(E&>2N<43IB53)BJ
ME2B"Y6HDNL_%4NJI!O'('BMS(R&/4ZT+.5@\<.\I\P<MLOG#"N9JGULJ)7,"
M9IZ??UM1RC9-X>.DT9:GV\BY;1)H5>2?&3>K2J*[8ICR%E%GMNBI^'>(J-"]
M8MA=H3\+[W<7-)]S.DR2)RD'#JG*2LS9; [IWD;Q"=PJ-2H-7$^8^:N9><E2
MJ5GFQ7U6YC56=BSB_P"(*RGY*H9-&+CP,5A%MG4DX<*-8QB517[)'MA39MA5
M5,BB055!-!)47423J2\:<[$3L3,,S$39DZ9NA._-4I:MU/Y4@J)9*7+)% Y8
M!XV;S3XMFU3\,N5O"5E1E\_RHRGI*I5LT<R$7U?/Z[E\WL[7U-Q=,/JZDEUX
M.G65,P#.-C#)TY0D2Q<,8H[UP[?RLU($;/&\E;H2A*6 )*JOO+-":@,!5@/.
M-W$[0"\#(V?AY)P^'ES#B)V].5-5B,49:99FJ)2@(0E*?@DI#)<J*E$ C&L?
MQ0\2+'*D^1;+/C-QGDRJV=LE<KVV8-4(4.>.?+JN7T4:G$I,L8,.]=+K.G</
M]G^['+I=9RLU47544'$5K" D+4U0P)W;\_EQC13M#')D?A$XS$C"D$'#B=,$
MG=)=2=P*;<4:J0VZ2Y9R7J-'\5'$W0-+T[15#<0V=M&T?2,D^EZ6I:E<TJVI
M^GZ<DY,) )!]!Q,5-M&$4Y>_>\L9RJR01,JI*22AQ%1\Z,K9"UA+!:PQ+,5,
M*: MVV<8T[2VA(0B5)QV+E2I9*I<N7B)J$(4K>!*$I6 DG>4^Z!^91S)A+A^
MS3B\FLRHRO9:GZGGB1K*4:M'%"YF5+E!F!3<B_9J-6E5T)F%3*4@K3]4PQCF
M.S4F:?JNG7;==VREJ<?IN$U&]0K=6%-<9*4A0<,X4* CD0SN(P8/$(PD\3U2
MYBV! ,G$S,)/EJ(W1,DSY>][N8ARV^B9+()"Y:@:9=XA>+JL\ZY>!& ?YC4I
M35-Y>S>6H#5N;$YF9F37$'5=7RM=5>ZS8S*7C*5/7;RHI^53369?PW"T^S@X
M*FHEO#":)%\[LJ:5J#. $E+%3E0+D[Q8.YR9J <8G:>UIV,5+]V9\J6C#S,-
M^\Q4S$8B=+FS3.G'$X@IE^^,Q:@"/=I0$(EI"73O'&5/<0N>]+9=2F45-YQY
MF0.5TVG)(RV7\16M0Q])/F\V %G&B\"V?IL!9SH !9QD1 K68 "A)HN@ +4"
MUA&Z%J"22X<L;91J)VACI6%.$E8S$R\,M*M_#HG+3*4%@;Z=P*"67_&FB5_Q
M/%OP>9V9%.MZ390%?UK",Z#JM>NZ&:1-434<VHZMW'W5]HK"ET&;U%*!J=<(
M*%!6=BR-913[HC.VZ'["V]W ) %3\*@0Q-":DTL: .*T&D:B,5BI9EIEXB<A
M,B89\E*)BTB3/4$ S90! 1-.Y+=:=U1W$@GX1%MNWKV2>NY*1=N7\@_<KO7S
MYXNJY>/'CI4R[ETZ<KF.LX<N5U%%EUU#F455.<ZAC',(XJ;^+F[ES7OG&K,4
MI6^I145$J45*)*E*+E2BHU*GJ2IU%W-7=5/^0/(/C;]>_P#+$=^L4'Y1R'G#
MLNP=+C\+CU_.^$8CF!K\Z<FMUM#XGY;>1=?/YZ^:(5<ZT].7RAZGN.NEOZW\
M_P!\1V?TKWX1B350R)O5AP;R^P$/T/YD^?XRW^(!]+6\K8J?S#3AG?QYC(U@
M?SCIKW\O.,HE_LT7M"%CF$E8<,  (B(=K,>OPWN-Q_XT@\AUZ6M?0,>@]TOA
MX^?*/U%[A>J:\_I#TG]F5]H<IM6/"X'<.9&80#_^I_GB/=JX>?TUI$_AYG]W
MQZW9K5AXG_9B_:(B'_ERX6N8ZYE9A!WV'_C07VMH(6T'E;#W:G:G?2,9PDV[
MHJV9&7^BW@_C#@O]F&]HH.U8\+=A_P#7)S$'41Y_\9_2^_?ROA[M1T[Z<#$'
M!S!3>E\PHW?BF^9A3_2PGM%?^K+A:T_]<G,+_P#!!KY8>Z5>E-:>HC&<#-4J
MBI=>*OD@Z?.T'^E@_:+!J-8\+??_ ,<G,+?H(!E!?X=!UP]TK^[X]ZQ'X&=_
M-+L]U?\ 4B;_ $L+[18!+>LN%L+W_P">3F%;?7_G0:?$1VQ'NC6UWSR_2]OF
M_ 3OYI?^LK3_ $7J+9^<*E_LP_M$P&XUCPM[V_VR,PMQ#;_:@[\3[I7#2^??
MUM&,;/G OORR.:\Z?R>)K6 W]F*]HF8+!6/"WN&HYDY@AR'7_:AM;^NVN'NU
M</UX-V*VB5;/G'^*5U4K)W_@XB)_]+%>T2O;^,>%S_XI.8/_ ."'U\</=*X>
MG#,17^CI_P#-*_UE?]2% _LQOM$BA8:PX7;@%],R,P1"UQV'_!#8?KBADK*@
M?AHV?'E5\M8C^CI_\\K_ %E?]2%@_LR/M$1T_B_A>_\ BD9@;]/]J&^G.P#:
MP],!AUFY!IK]>;^!SB#LV>+*DBO\R[#_ -'T'*\3%_LR7M#PU_C'A=V_ZX^8
M-^[3_!$&_(!L(^(#B!(6%7#\27U\^)\XJ=EXBI>2S-^99 R_S>3=YS_Z64]H
M?L-8<+U^G^$C, ?IE%UTTO@<.N_PY9FE.1I?ZO%?Z+Q!/YY-?[R_^SB8/[,I
M[0\+A_%_"]>]O]L>OQMU#_:B'>_+NZXC\.O^[GF<NE^%^D/Z*Q'\\G_67_V<
M*_Z66]H=RK#A?Z6#,C, 1VU$ #*/;].>EWX>96J:<3]/*(&R\3FJ1S"EZY_N
MQ;PK"@?V9KVAFG_%?PPAR_VQ\P.G7_!'W[C:^!D+J?A%3F?IQ$0-DXER2N0W
M^DNU6']E7[<(F#^S.>T,M;^+^&'F/^V/F 41MXY1?F&EA&P#<9]Q,9OA +&Y
MK3E74Z<(@['Q1)^.1?\ FF?]GGYFT3!_9G?:%!O6'#!Y9C9@B'_ZHQ_0=[C?
M$?AYG]WQ.CZ:10['Q1LO#G_TBPW_ -3Z7ST,*!_9G_:% .M7\,.@6_VQLP-1
M$>_*,+Z]^_PP_#S-4^)S;AQ[8P5L;%* 9<C7\\S(%_\ )0H']FA]H2%C#5_#
M%;_W1J_VY[92#U^N'X=?]W+,YUTC#_06,WP=_#G_ -(OD?\ )=?UA3_2T?M!
M["/\7\,6G_KC5_MMSRD#<>07Y=0N_#S.'G]('86,41^\PVGYYC__ )'C3K6)
MB_V:7V@X"81J_AC$0+?_ &Q:_N-Q_P#<DOXC;3$>X6,T^)^D1_0&,_SF'<Y[
M\QGT?W6C\^E9_P#2TWM!@O>KN&/3_P!<6O[A;6X_\:38 Y[7TOB?P\S5/4MZ
MB*G8.,_SF&SNN97_ .I9\?O$?]+3^T& 0'^+N&/EMF+7X[>&4FFG7O\ )^'F
M,_PYYG+IYP_H#&_SX?EOS'J?_,MRZ0M_I:WV@MO_ "V\,MK!_P \6ON86TME
M+I\^G7#\/,#?EY.<NCF*_P!7L8[^\PSO3XYFMS^Z;TIS$3A_9K?:" &M6\,H
MAW9BU\/2][92[C?7Q 1Y8J</,R*7YFN7\M:UZ:$Q']7<:3_:88AQ_','&G[J
M@8<*6=A"H_V;'V@5BA_%O#-^#F&8E?:__*EUTO?:]AQ(PTP.24U;,\>#U\K1
M!]GL<6 7AJ/_ )29P_XENN?6%"?V;/V@)##>KN&8>0VS$K[_ /!-IKL/(0Z8
MJK#3% ,4^=7'^B^1X&*_U=QW^<PW/WDRG_U%M/'6D*_Z6V]H!RJWAFN(VUS$
MKX=K@'_.F\-1'D X@858N4YV?E?=Z?.(_JYCF+S,,<W]Y,#.'8/*\M/./^EM
MO: : -6\,]Q$ TS$KT;C<0_ZU%]PYAX7 !' X2:YJCJ3_P!5N>0BO]6\?O.)
MF%:_]I-Y_P"9-_7PB<O]FWX_RCK5O#1J&G_'#KWNZY3Z\MOA;4(.%FW=%+U.
M?_)X]M!7LYCS_E,)E_E9FI_XGND3_P"ENN/[_JMX:>G^V%7O_P""?]L/PDW5
M.69H^K)B/ZM;0/\ E,+_ ,Y,R_\ 0]UTB8O]F[X_;A>K.&F^HZ9AUX.@\M,J
M+>5]+CIA^$FL2Z.-3P_NO$?U;Q_^<PO_ #DW_L8F_P!+?<?E@'^+>&G7IF'7
MO_X*-.>]N0\\/PDW5'^L:U8Y:MPK$_U:VA_G,+_SDW.H_P C?A\Z1'_2WW'Y
M_P!5G#5Y9A5X.G(=,J.=PMXX?A)NJ!1[JMX?>(_JUM#_ #F$TK-F^?[BG.L3
ME_LX''V4-:MX:=^68==CR#E_@IO\L/PDW5'0J_ZM\V\FA_5K:'\^%L]9DT?_
M )CP.M(G+_9P>/L!N-6<-=@_]<*O-?"V5/GX?# 82;JBSW-O]7NQB%>S6T"&
M]YA="3,FT_\ J!A3_2X?'UO_ !7PV<O^>#7?/0/^=3L/PP_"3=4:W/\ U>^A
MBG]6-H_YW"-_YR;E_P"@X\XA_I<7CYY59PUCMMF#7@VN&FV5/E\.H8?A)NJ#
M1_S'_JQ8>S.T0#^\PE2:^]F@@]9%\_T,3E_LXO'R%_\ BLX:[Z6#_"#7>O3_
M )U07\ N-KZ<\!A)IS3XGC_=X7@?9G:!O,PE'%9LW*_^YV?I=FLT3?Z7'X^;
M_P#EJX;>O^V!7F]O_<IM< WN(#8!M?#\)-U1XGG_ "Q7^J^T<IN$T_M9M>GN
M'B;_ $N/Q\!K_%G#8(;#;,*O!'P&V5/A:_6XA;#\)-K5%.)XG^700_JOM'_.
MX.O_ !DT:?\ $-\J&)O]+D\>^G_%7PV:<O\ "#7E^@#<,J=! 0$![]-[8?A)
MC.Z/]8_3A#^J^T?\YA*_\9-_[#B#\X/]+D\>X#?^+.&OGMF#7?+<=<J@ZA<0
M^6POPDW5'B?^KSKP.D/ZK[1M[S"?\Y-J[-_D(F_TN7Q[?]5G#;_\4&N^E]0_
MP5;_ )X?@YNJ/%7_ %>^HA_5?:/^<PG_ #LW_L>,1#^SE\>P#?\ BSAMTN'^
MV#7E^G_6JOST&V'X2;JBO%7_ %8?U7VB7:9@_P#G9H\_<9>4*_Z7-X]K7&J^
M&W_XH-=_0<J@'F'CRP_"3;.C_6/TSRX1']6-HYS,'TFS3_\ F(B']G.X]@U_
MBOAM_P#B@5WSV_YU6U^8:=^(_"3#_$C_ %B/5/?C$'V7VCE,P>?^5F_*1$P?
MV<_CUUM5/#<//3,"N[;?^Y4&]MK<KB ;C(P<W5+5JYY:-YP_JMM'^?!Y,!-F
MYA_][OIPMF(G+_9TN/3_ *J^&^X%'_G@UUOM?3*JU^>EAM;SK^$FU+I\\V8F
MFC.'TSO']5MH_P"<PF?^6FO5\OP_&X'")B_V=/CS_P"JOAOVN ?X0*ZYVVOE
M4%]PYB(7Q;\)-NZ"VBC]/TS-8@^RNTB&]Y@PV7O9O_=W\XG_ -+I\>?_ %5\
M-_\ \4"NN@#_ -:OOP_"33FCQ/C^6W&*_P!5-I?YW!T_XV;_ -A"G^EU^/'7
M_BJX<-/^S^NNMO\ K6?3>W>6\#!SF8E#\R/5([!:']5-I?YW!_\ .S?^PB8O
M]G:X\0L'\5<..HZ?\<"N0YVL%\K #?E>^XX?@YKWE\"YTK5FLW2)_JGM+_.X
M/_G9OI[AX5#^SN<=Y1"]5\. ^%?UU?F%_P#:LVT[^[#\)--/@\2:O8C=MQ?D
M<XC^J>TO\[@VU][-\/\ :_D[\(4#^SO<=X#_ .6KAROK_P#7]7.]M?\ G6VT
M[[8@X.:H$ H\3E?^%Z<M-1 ^RFTV_M<'P>;.\?\ :_?C"G^EX..T-!JGASYW
M_P"+ZN1Y7_ZUO3H%@VM?%/P4[=9T7>YK>Q;U#WT+8S[([3_SN";_ ,].RI_O
M=OD =&B8O]GBX[ $!_BKASL'_9]7/3_W+?7CC(<'.4"/@N&^(Z_Z/E]H?U1V
MF/\ *X'_ )V=\L/#@G]GGXZPM_Q4\.FFO_E^K?8!U_YU^G3J.^VN'X2=_=\3
MXNS-UU?@/LCM1F][@@0X_M9UR^7X?Y<\H<$_L]G'2%_^*CAVU -J]K<>=K?[
M6&^OJX7G\'.?^'2Y8>">WX%L9]C]J$#]]@:7>;/K;_R?[PN7^SX\<X:_Q/P[
MZ6VKVMM;" 7_ -K"VG/GV;7' X.=J@,1F;.'RMZ9M$?U.VK7]]@:O_EIWG_B
MW=0+PL']GSXY0T_BCAX'G_Y?:VOUOKEC>VF]K;A?<1?@YU@9=/[W-OX3ISS8
M1']3=JN_OL"W&;/O3_R;K6M87+_9^..,+&_B?AYWM8*\K:][?^YC;F'/2X7Q
M482:PJC5MXYFE-U^/HXA_4W:KL9N!'_IIXMJ?PP[?E#E/^S^\<)1UJ?A[T#E
M7=;=1UM_@R\AOIIO<+8J<%.8)>6&O\37J,N.7TC%_4G:U_?8'3^VG_\ =O#]
M8=%]@)QO!J-3\/8?B_ZNJV$0VW_XV5^7PYV#21@IH27*#G0G,-FG2O*M1%%>
MQ&UR:3MGV9_?3]=1AN+>,."^P)XW"WO4W#[Y5U6@^?\ M9[#R\MA&V(.!FEJ
MHH*ERS,#3X=*MP/6A]A=KFGO]GU;_+3\C_\ 0OJ>,+%]@9QME#6IN'X;ZA:N
M:T&]P#;_ (VFO+;SP&!G @NBCYJMP^!N-ZY<<*O8+;*F:?LWK/Q#]1^%/>;0
MY)[!+C8#>IN'_4 '2N*UY?\ YM+^O'$?@9S,\MW/\1KR^&MOE>(5[ [:(2!/
MV;2E9^(%:/\ [DHW&O#.%2^P6XU@&_\ $V0&VO\ Q<5H.]M/]K6]]0&P?*PX
MD8*<&_(:@T)_ZHU%.MC&/_![MQS^_P!F6(KB,33)W.#X'S<O"X>P:XU VJ;(
M(1T#2MZTY6"^N6O733IMB!@9QS11Q<GT3J>-CE%5?L\VX7_?[,#N0?Q&(#O;
M_<89F\W>L.2^P@XTBE !J7(,;!N%;UF :<@OEOJ-P'I>P\@##\#.UE_ZRO'\
MMO+/6*C]GFW& _$;,H _^,8GI;!GKX7+0N'L).,\ O\ Q+D'ORK>LM.>_P#@
MW -->FM^5L3^ GO>7_K'_J_IG</C_P '6W"[3]F9_P"Z,3J&8?@_OTI"P>PM
MXRRVO4N0VO\ V:UD'=SRY !L-]K]V*_@9W\TO+^)6N?P4[LX,/\ !UMW_?&S
M/^D8G1_]YGH[4&H:)@]AUQBI;U)D3:UO_+I6'77?+J_RWTYX' 3OYI?+>5I_
MH/<CL-%!^SC;X.\9^RR[U_$8EJ#_ .@^'AE:(E]B5Q?(" GJ/(T;' 1M657"
M.FNE\O0Z<[>87Q'X"<2%;TMA>JO^IQKI _LWV_O)/O\ 9;4_W3B=2W^XFKSZ
MQZLV+4!TM8=^@VN = M<==;!S&X:X["JVL^MBW4<7I<\6^X)US \<LVY4>HY
M W<R8=JUPMM8+6^&X:Z\]+WMIB #YCH?/@[MHUB)-  &&O$?^J[UKT!K%Q-X
MR]M U$O\H!H ARO?2_9&VMAW#D%V)8ZGJ$G]?J+Q TX,0]'>V@H_R>\5DD6
MV "7'EMS&^^FHA?4!':P!H XEK\_"SUS%+$95UB*<>-'I8%LC]7!RAP,5R[(
MCW6 =!L W'LCK;?2W4;:8%(\*\/"PXTB!GY7IQ%K9.=(/NH+ZD#8 L%AW#?3
M>P%O;8=+7$ P8#4N[<'O=A70YQ-. YCCU?Z1-]U %_\ %]D=K@%RVMH.H@(!
MN.NG*U]1-F!PR--&#VT%Z@Y1'7CUSR.GF^L2C%[CV+!H&]^=K%[5QL %M81&
MP %KC@U:4MI?]*:#0@Q-.M;#)NSKJ0SP!%Z6[(C:Q>_4;V,(WOII8;6$;\Q
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M&P:]FXVOI8+!\[Z!KI; #OTOH.?07%N+G5N9S-_7C$1BP#7L[;@ ;7"XC>P
M AN.XZB(B;3$<Q2E*<+,=;N]!>P@&\33EX!WLWI$1B[%_E -P#<=[\K" 6O8
M.@7N(7MB=T<.M3D]]/GS<&O6E\OF:F^6;:B08RVY ^ :A:X!Y#<? --+")F.
M?"OCFYU-\A!GJ_"UBU*>0,3#%VT HB4M[Z#^+?0-@&UQ#^7J(X-6[6ZY<.%+
M![5$ V='XVZ,3?KIG#1:*#4.S8-;:@-M;;[:B(C;>X6L(#HW;NY?,M3B/3B1
MI"F7.U\V(X>#<16B.8SL@-R[#R =+"&X:AK:X &M]Q H8JP ^+[?JU0Q>K,P
M: )ZU/C5_KDP>]1;+QCV;Z#;KOU'330._3;F.*D-1B;B^G06N<N-XL&-2W)A
M?DYJ<BSWX0C'H=H2@/<&OYW'3E?70.N JYI;[O\ 7PIE)^&PN=#2P_2E;U-[
M]CF@=@MP$=0Y;ASMU >8VOJ 7#<<@KIHWH=1<YE[@ZT-:G,EJ_7PRB[FK(-!
M NP=H.0 (]1M<;:@(!?2V^X2>C^MA]/+E$/EY]MYVR:*PFTOK;D&]O"^EOY@
M$ #0-![KXJ55N#HW2YYMPN]FB(< SZE#;4!WVM80#38;AJ 6O80WQ!/'CP?6
MA?)F#A]3$L>7?EK7*(BS"][=!&X=VH::Z?&]^H7;W(WI5^ HX_7FYCT\JQ &
M06VMN.O00'0+A<!UY@%OB&&]QS%M*ZWR&77-NDY=]^.43"SL&@7W&]N\0 =N
MNO0=0&^N#CEFVN=[7I6UPQI$,?#OYQ &86'3RN CJ(CX<^H6WUVQ&]:CGMV/
M.VA<#*);*O)N7?A ++3Z<]Q ;B A<-!UV[BZ#B7=\GL:#IK<,[W#N* JZ>N>
M76 6=M;!I8>7.XCO:WB.FMKC>V&\*O>N5^!OP@01T\OE^D!6(".W0>^]MPM>
MP@&FU^H]6\&NI^;YY5;O.#'YO8=\ND ,^@!MK8-Q#< 'NM<;B%]-M\3O5/Z\
MC<7I04U-X,=.Q!]B$1L!0OMMW7\QW =MN>(*@P[J&JU'?BWI$A));@]8/L8
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MKE$1VY#;G<=?&_UT# $/Q#U=G:U>/-N%H,1E!]B#^Z&@AJ.E[W >?[^8A@%
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MODPB7[%R$H&\@$ L ]U@'<0W'>]AU$%:YD6;+5QYORS@QY>73SB;[&'(-?\
M>Z:!IJ%N0 .X6'>V&]095\*^C%O3@8UOQZUK$/L>M["/>-N5K".P[CKKOJ&P
M8;PXO49,'HX4U!R_4Q:W?+O.(_8[#MOKYZ#K<-[AJ(A>VVPX;V5Q9FX_,9,6
MI<O!K=>^5Z\#I +, L ]1OIK;GS'SN/C:]\'&E0U@6/!O&IZ P;YZ]]U@!F
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ME*MI^%I6H\WZ')5<O3U.J/EH2*=*2LFP%K'*R2SA^=N";%,]W*ZBG;.;\5@
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M2"I2C0)!)M'S^.-_VDO&5[9#.9AD%P_4QF7"9#3ZJDME]PU40Q4)4&8=#Q0
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MULSV4VY['^R>"Q:,!^*F+3L3#;0$@^Z3-0M:\)M20CW:T390"I<Q<Q,U82I
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MO^L"L6A6,D^T>,V%A9D]> V;@PH)GXI6ZG\'BDJD*"9TM2\5(DXS#2L?Z?\
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M!B[WZAL.MOQ<@\0MXCBMB&>@<@')P>Q1V?F)J7\QIRUMIQH(R3'!V2AKMMH
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MEI4N9,F+4$H0A"05+6M1"4I2"I1( !)B\Y242D+6I*$(2M2E*(2E*4L2I1-
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M."FS=K3\$E"_<8Z9(Q2B$G=WI.'GI+J< 'WAL7WF#MN_%HI3O#]Q4<1G!CQ
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M(^81-2S3@4_M44A45<*%A*>1X]G\T_E'Q@09QU&<4:3I1O.N5S 1,D;'4[G
ME(.U_P#8T4&BYE-4C@'BT_XO[+D*),O8>T N<0"9GX'V>V^F?,F!(^)4U>SL
M"9TM"0\XK0$!EI?J?VF/!SQ<ADM^4SL7@S+ <EMT3YA023\+%Z@Q]/?'M(Y<
M>=7,CC,XP6/$XPS@B<A\PHC+ZDA;04]DH]K3)M%^ZA(MG)IU*>>0<<2,2@A5
M!CO9E]%RJ])H-8@(^&^](B1")>C(?G[$R\9C/VCX3VR7L/VRPL_9F%1@)>$D
MX';8V;BL'[G%RI@Q<O#XT;+QDX*QV)F2)DS#*]RM.&5N*7(WC^AL-LGV&P_L
M3BO9R9[1^RN+VKBS.Q0VO^/D(G87%*F258<2%S]@+Q4K#)EX>3+Q.&1M#?FA
M>*W9LD34^[Q-E7Q5\?[>7SL5K*F42KY]0LRPH:)DZERTB4\K9Z1F5W!)*GD/
M]$O42S:*:0,A.LHU$_O3*S):.=)2:[=B[BISAS</,]GU>W2\-[)?M$VAB/;6
M1C4[27AL!MW'RY*]IS<3,F'925[8"-GHEIVCBA+1@3AYF'6))"D>XW(Z>)P?
M[/<5+]E=_;OLE@D>SN)PBYX&T)4R?M7#863+EF3M#\%[,J.(FS9V%D39LY:Y
MR9DI>*3N!<^7,DU.9XAN*&?R/B\BZVRYKFJIV)K%U6JN8L?5F5LE-R5-M>RF
MT12D4\YDVQ%&$S*N&P2()_9@CSQ3 C0CUNN\=><VU['[4]J_V=83V&QOLQ[3
M8G!2ML#;$J=MW9NUL5C$J2F<J0C$S,7[3?CES94[$3S\>)$L2#+E(EH5+WU=
MG9^-]AM@^V&(]J=C^T'LGAY>(V/_ $:=F2=H(1A$KF+1[^<B4OV=2A"9DF3*
M!EJEB:)QG3%+*5IEH[=<).:&8N;F5U)595%%RM$LB,A@OL,\[II^[E0@6Z,<
M,^T>TW4E4-UTI)XDH3\4HOV56LB5?W:WN"8^W>PZO;@'9N&VOA9>$V/@-E8?
M9\R6O!2\"5S\%A42!-PTJ9M':6T09LQ,I2/Q$^;(]R,2\TSA*!^!>V&%]G\+
MM#&?T3CI&T#B<2O&2IN#Q"L3)E2\3-7,.'5,&$P6'/N05)(ER4*#R63N[Y'C
MF_MH&>,0YG."7AN8ND59R'C,T<ZJG: >ZS*.GW-/411*QR /X2R"]/UX4.T%
M_P#6\!+H;'MTI_$>T4R:Y;9FR1APP!2J;M?%(G3Y:U93)$O9&#F! ((EXQ*U
MAERS'E/R8(!JS\3O.;A.&EE(8?RK5BEA[/*(N"WJ5]B_E1,9*>RMX&,OZ@:+
M,)MOD'2U5RD>X*)'$>]S(4>YD+L'!!U(X9'JP6RZ9OQ$52.0PB)1$;;!4)NS
MA/367BL=M;&2%U:;A<7M7&XC"3DO7<G869)FH>NXM-!:&,&[/*#^:7*P\I8=
MVF2L/*ES$OJF8E22U'%*1TZQV8U8,(080@PA#-\-D"#_ .G(X/\ A2#4OYX0
MAYA"#"$&$(T3GN.Z!@,Q\L<L7&06?:\WG3F_GKDOE4^(EDTSBJRJ'A\AJXG*
MUG&PRV<D=*0])R3/+RI0I*2J6+A7TV9%BX/%LHV29OU46W:$N*!SP=F]?K&U
M&4V8S7-K+JE<Q&E-U31I*F8*.7-(5PTC&%8TI)M'CF,EZ;JAE"R\_$-IV#E6
M3R,E$HN;EF!7;54&D@[0["QT5C(F$(P!Q0\1%,<*.1U=9_5M3-8551N73!"5
MJ:/H1&FW51H1:SM%B+YHSJFIJ3CGA4G;IJBH@G+ ['[051-NHDFN=)$I&\0!
M<ZQ:.46:F3K7.S,OA_@\MGV3.<;JGHGB,JJDG\)2#(*]INLY1U0(YIM)B@)^
MIZ>E72L_1BE-U G*2,?5:+UDR?/XD["4CY5_KR,+AL*9QPTB5(.(G'$3_=2T
MRQ-GJ0A"IRPD *F*3+0%*NK==3DDGJ[3VWMK;2-FC;&U,?M1.R-GRMC[+_'X
MJ=BC@-ER)T_$2-GX4SEK,G!R)N*GKDR$$2Y7O%)0E*-U(VMQL1R8PG YZTW/
M<0.8_#BG!50PK/+;+'+'-N0FGR,&-*3E)9KU!F12]/C NV,\]FADV,WE75;6
M:934%#%03+'.6"\B@\[:*):@.KCP;ZB,V81$&$(,(080@PA!A"#"(-_U[IY$
MC6K<]M]1T'?IUW#\K;=<(@NV0J/,\BQM6NL49X&@Z[7'E<;AJ%] #3P =0UV
MQ=#>OR:O6SZ/&-53EH?$A_*QKI%F26PZ^/+41&W@(:6V&PWUL(XO</2HZ<+Z
M9N,N#0X9U;-];"UV;CJ\6%#@'X!W"_C8 #7D-K;:WT 0O?:H:C/];/2OD[-5
MJ$%/GP=K N;WXVO>N>28X0L4.[II;30!&]]-]N8V'E8CS;GSH*:Z4XF(\.\H
MN]OH ?[TP@/370-+6N.@7MW7QC4[U'#PI4]GHT62W6HM0.,_.E8JA!Z\N8 &
MWF(CW:=UL5BXROG>]N%+ZF[YV4#U^?SPBT1PA!A"#"$&$(UAXJ.'#_1*4 %'
M,:R3RUFP<*>YKUE2$35=21<:X9NF[QC"$F';:/:*.EE6KA0\BVEV!OLA04BE
M%Q0=-=_ [3QFSE3%86:4":@HF((WI:G! 44&F^AW0JXJ"Z5*2=+&;/PF/"!B
M9069:@I"@=U88@E.\/BW%LRDO6B@RDI4.-'#=_9V,HLDLH\\>'NL<]ZFS9R0
MSX<,QJNE)K+^D8VH8M>#*V<TQ5E$5NT,:9HVM8:98Q4G]H3)-T^^"%9LI.#?
ML'<BT<8ID\>X1AY*IR9!4)TV7,4A0.)W2@K24(02D(8)"G(=6KG82E1GG$S4
MR?Q 29,N9+"P1A][?"%!:U#>WRHJ*6"ANZ,,F1/L><V*.R1_P)O../,7-;*[
M+>BY&FLF:'F,I<NJ=K9G3#-HM]QY65?F_&NSU)5% IA_K:W8QS6CYN.CU2Q$
M)4T) D",#>V3M2?@IJ9"IZDX&?,0,3+ ! 062I8IOI856)2I:IB!N;PHH:.U
M<!)QDM4]&'0K'24*5AUN0=\?$E!&\$*=3[AFIF(EK5O[A^)*N)O$C14/DUD%
MFU1&<TW6^:\7G[-3Y*JK)M0U#C4L \:0(O6;!O%'G*<9+N(.,IMFEE^V8L#(
M40UIAS/OP^PPKA4_T#'RY>%P&)EXJ;.Q<O'J7[V<F5(]XC]WO)"4[TM*MQ,M
M/X?=21*3+5,/PH43XG9ZYF)Q^&FX:7)PDS !'NI2IL\2UCWFZHJ5N3"-]4Q7
MO]Y0,U4P('Q+2(TFRVX6J;S<3X<*8H3-3/V&F,C:QE7^4>8-7TUE!-?X.OL%
M*9;9VO(>;I]C6@2-14ZS>5313.GW*;-XE SLPY@I4%X%S',X_D8?9DK%?T=+
MP^)QR%X*<I6%Q$Z7A)GX?=E8;&E"I8G!4R6%39(0=TA"U%"GE[H3UY^TYF%.
MT)N(PV!6C&R4IQ4B5,Q:!/>;B<&E<N8J40B8H2IQF!Q[Q"4K0RPHJZPQ?LB<
MT>(3.NF^(:B\\\P(2O I.2RWKZJEHF@RL:DIZ2C)9@]^ZXMS#J1U%(HQ4D,8
MS=L8"<1(Y;QCXGVJJ"S$V^V-JHP.#QB,;B-J8J7BQAS)FB7(E33/E+!1N2TE
M*94E6ZL@!E%*4":H>\WEKUMF3L9BL&O!2-F8:9A%8@391F39J$R9J2%[TQ04
M9LU.\D$EP"5&6#[O=0CK?2OLFJSB^#HW K5'%<]J[(F=IJ/I2KIR9R@C)#/Q
MM30C#*3M(Y?9JN*V)1M+TV[^YDX^)/-Y+59/Q,2Z>$-,.Y$[.18>"Q6,F8@I
M0)DTR9<N7)0)BDE:Y4K>]U[XRTH2M:0=U)(442THE[RMP*/L\-AY<@F;[N4)
MZYBYRS+"O=IF36]Y[I*RI2$J(=0"DA:RN9NI*RD=;\MLO*0RCR\H3*K+Z'1I
M^A,M:/IN@Z-@D#JJHP]+TE#LX&!C2++G477!G&,&R KN%%%UQ(*JZBBISG'3
MC8B]<(080@PA%/>C9S$!_E2"H?\ Z*DS?_.X0BH80@PA!A"/+)[-E=9K[:CV
MY+ENJ=!PW91*Z"R1A(HDLE*O5$E4S@("4Z9RE,0P:E, " A;&22 9TH$.#,0
M"#8@J (/.+3RTA)%")<P@C*D::<)'%)QKP7!+6O&B]JWVCN9%;TKDOGA,P^8
M&8N95!5GP5.9MA-SE!QDT6AY-)WF%)2]!M%AFR)3"RL1_&=*O7+E%: $K53[
MQMG9&P9NW</L$2/9;"R)V.P")F&PN$Q.'V^):I<O$*EG$2RG#(1B"-P^[ 7^
M'F@!29GQ#Y[A<7M"7@IN/W]JSEHE8@H7-GRYF WMY4M)]V29JO=NZ7?]XFH:
MD9V7S<XC.&)][-C,"C>.+/[B$DN//A]S%J//++S,S,-I7-/P,HODW$UD2MLK
MHENT0=9;-:&J&>?$;_=ZH+H&HH6;AX*0SS%7G?@ME[63[58:?[/[-V:GV<VE
MA96SL5A,*</,G2QCER/<XM:B1BCB)4M).^&4,0% /[M4;)GXK"'9<V7M#$XD
M[2PTU6)E39WO$RU&0%^\E) !E>[62D,S%!!S LGV07%!Q=9L<6_!Q3$_GWQ/
M3,37&1N=>:V?D/Q+YE0%69:9M4I$S=4T/0<GPUP1F1ZD:/8.L8DB=3&D98\T
M"M,U$]2]U33-^RD]GVWV1L7![%VY.E[-V3+7A]H8#![.7LK"3)&*P<Y<N3B,
M0C:LP'W13,D3-Z5NH$LIFRD_VJDJ3BV%B\;.QF!2O$XQ0F8:=.Q Q<X3)4Y(
M4I"#A4GXJ*#*+[P*5'\@(/H,XA6%0+9\TG#Y3YHYR3N?<I5^4E=EHF'KV9B<
MG<E>':CZHA_\*DAF)0,,ZC:(J-CF[$0]=4A28U]$U=F74E?5.W#+Y]3]*Y;S
M51T!\+CWHM:E<KGGPH^3<ZX9X?5\T9QCPF2,9Q%YE*U;QF<&=?9I9ES$M/J9
M@1T#F*+7(FKH_,S*BAZX7GJ-RY948KFC4M%QU)TY!M:$7:35'_Q-3TX_IYJ=
MZXY1)SI8MZWS+M^D6M2F>>?E2</W!'DUEZAF1FYF=75 .,Z<[*M:5] 4MF/(
MY,9-51!L9B,85W54Q3[0M<YMUI.4;1*[Q%PBJ6D'%>+$D*5>J1%21:#!SD 2
M!YMZ>EXZTY3YF4OG/EAE[F[1"KQ>C\S:,INNZ94D6AF$B,)5,0TF8TL@Q.8Y
MF;]-J\33>-144]PY(JD"B@% YD5C(&$(,(080@PA!A"#"$4N$-VH:(-_E1;
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M.P=+U.9F>IZ21JFA*FIRIW5'U,K&Q:]1TF_F'=.3SF)B',M&/%XF.4;(1G*
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M84(N-6F$8.!HBK<J)LF8B5'Q2J]2-:WA2*H,#-F* %%,<J\1O)^9!Z1A*?\
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MFZ%8.I61E8B2($.8_?5O-X;I+<;>#^5'XF+<JSVWG#[1%8\1%'U%E)G$DZR
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MK9RMY*HZ5HFA5Y>J65.0;%PG&*$?R";G[8X9M%6+OYQ.\?7("]\LV$9GXB.
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MR9USF52V>F<=-YTUI(9T-XIIG*.9.<,16K7,+,)MFHS@8%G6C2K)^4;/FL#
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M^,E*1H*FXM*E9^C*J?S-6#'U VJBK))"L7V\HLX46>A6JC9*LJV7-^#1Z+.
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MVK 4C6]-YA,*P:YM4SF KFCF).UBC,M\QY1TXGW<[44E'N/=G19U#I\5A90
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MZD'U:*3E3[/;@>I.(H^8RSR\^]H&&K++/-?+J64SBS9S BH"4RK).J95_P
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MJ*+A-!R;EXS3A$080@PA!A$'Z\NN0ANIL([@-P'PMY_3Y6'"()OP:XISR\M
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MWT$.F_ZX15J-?+B]7J7Y5\8H[P1MJ':Y;7'6PVUZAI<.?>-PNGO0<;$/3-K
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M>@>&:4<U#7N5\G+9LU>:6X:U'C6G75"U55<:VRQIXF3%0U$D^K6:IZ>=34I
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MG/F&N$'=QSJY?7G4"C$\FI![T-[B ;WOORYZ>.MP\<(/?,BAX^;\#2^H@]Z
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MEO7E +T.0Z#RUMH-M>8V .5N\,1NO7ED <W]1K71J.MN_I #[D(\Q$=>>^H
M AI<+: (A<>N#/9K>#M1WR#-DSTK$=CQ_7K +VW/0 $-];Z:^-[W$=1UMN B
M8/G7@;#P/K5N1ESKV_K7PZP"]V&]M0$/Q=+@.@W$0L-K?[J]A'!@V7D[ FMQ
M2U;EX>>6><1^W?YP:Z!>]_$+B'B-KA;OP9/#GH]G%FS<\!:(KWP^D0^V!:W:
M$;:]H;[7ZCTYZ;!<<2!PN,K,6X"W-[\(DOGYFOA>(_;M U#;K<=@U&PC\AY[
MC?2&2= <@]?E4]0UCG!]7X^-N\XE!\ _W@OI;<1_FM;D.H#80W[@TP8BY9\@
MS _9G^N;CVUO0Q.#X!+83:;"&MMAMIJ&H6O;F.PWUD@,[9WN_F7>N88\:PK7
MSR\O.)!?!R/TN&^W=_+W=_4<00Y>W1S7QM30W8L*1$?MHB 7-<1WN.HZCI:_
M0+:V\1MK( MF*. WRR:_6$'VX"B-QTYZB( '.PV ;;"-QWUT'$;HJ?(6=[5#
M<_04=!]N"VIA#01 !&U_#;H ;[WL(<FZ-':E[YU);6C#QI#OO*#[;II8;ASV
M-N.PZAIU&PZ[7##=?G5N0UJ"'<-=@T/L.^W@!Z'^5<=-_CUTMIX"/77!@ Y8
M&HL3GDYT]:T+1+GZ]=?4>, /=0UM:_6X &P#<?&PCOST'4 #K7Q-C<7>MW(R
M%(C+]'^L'VZX:&MMM?OU'D Z]=K#J(B.)W03RZ^.M<GZLP#OO/OG$?MH?A'M
M (@&O> ]VX<M=!N/0<1N\6%SI\QZ\F9T2_;0'^\(7ZVM;D \A"P6 -;AI? @
M-9RV0KE>KZ6.N4'@%Z " B;?G^9;Z;".G6X#IB6#9:%FKG>]./$TN%>_*(_;
M0O83?$;Z!S&^F_,=!TOUP  >C>9TI?R)XLT(/MX7 !-V1YW#2P^.^F@".FGD
M$;N8S.A!')@2_$TYQ+DY]\OE!]NO<>UK82@ [#IMKT MNX;;!<,&J*#IE8U[
M-'(%*Q!]M*7^\&EQY!;R"]KB(@.M[ZASM+!V8$M4NSV(S)KF6ZQ/;^,'VXNE
M[Z6'30+6#4!WY '/OP;Q<78\>K5#NYKH(B#[;U-\1"WC8-N0A<0 -+],0 !S
MY5'"I;-LW<:1+G-SS=NZ>41%[:]A^%K@(\AL(".X[;W#E?!OHUADVHJUZ@V=
MXB_?6(?;0&_XK::ZA\>O4?/3E>6/K6E#;+S;-N,(/MUQWW\! !&_9"VPB(<N
M8Z]H+6Q#:9-4Y7%Q=M;&F08S7U^_7S@![;F(:V&]PL(\P\Q#XCIIB2.&6?!^
M1T=N  :%>O?J\1!\ VN("&FP_P P#W6\=1TO<!$; &&[TTU%ZT&>CMH06A7Y
M?;[1 'H!?\7=T'2VVMM WT 0#^:VV(;4=F]<FO8"[ WB*OQ^<1^W6L%Q\C7M
MUW&PWMWW >F)W1I;E8&I- ;#SI1X=>[M\_O$/MUO[PZC?OO;O#;G;4+ .VMF
MZ-/'3A4 5-.8S=IK7H_R@%[W]][_ .^V 0#:VG(0$0L.T!.O(=7<:T<WLVCB
M%?#K:G+A$OVVW]X0MH&_?WV&X"(=^+$5MU8,W&I?A2XTA;/ZYY^O; O  +7
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M@&5#6QNR/, $;&T#<+?F(#^$+V&^(WO'N_&PJ[&@>L/!LB>;5-*7XT=F@&5
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MPX]8?>P<C: !@ ;ZW&U_\T.6EP#4!L%PPWJMW5_LP&MM)^=[V&?K5C:]W E
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M( (8=E0^I[ B/O%+"/;-_* [CSO?X^M\64 !30ZZI$51TN,AHJ %#]H0[0V
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MRP+ZBM;,W.YBMDTI1)OF37T$2 JH(E'MFN/:OKOZZ;?'!S7@Q%!J._#2+%(
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M.;7ZCZP4 !;7_P!D^F6F41*H>P?B'41O\!#%Q=LBI7DS=>-X@_Q<-UJ=OR,
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E3?K_ -0=;F*,Y,;L@-QN Z:^NHXNUSF'(/57CUO&,W(R<TC_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g814489g34w63.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g34w63.jpg
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M 0$! 0$! 0$! 0$! 0$! ?_  !$( %8"70,!$0 "$0$#$0'_Q  >  $  @,
M P$!            !@<$!0@! PD* O_$ #D0  $$ P !! $# 00(!P$   0"
M P4&  $'"!$2$Q05"18A(A<C)#@Q,D)1=7>VMQ@E-#=4<7:U_\0 '0$! 0$
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M5%153RY'Z,LXCD& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
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M<K'JBK7-!#O.K!T2-M)B!"=+&=^;_#O^B_:OV^FXU+K9>17+DBIQMY'./ZL
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MBAJ1Y 6CGO-X#B5WE(EF$I3B69.8;CIB.?FX<6TR(\A^;BIN9@PRBD&#:;!
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MWO<KG*JJJF1FSB& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
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MTR\TYM'L<0K<M;4MT71;D@P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@#
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M & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & ,
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M5I0XA6TZTI.]@9& , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# &
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3;_55^MLBHVU_#[?N7GD-# /_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g814489g66k80.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g66k80.jpg
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MDI6BTM/4U?$6)D)BPO_:  P# 0 "$0,1 #\ W^- - - - - - - - - - -
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ML8X$D:MTY,MFSZW+W<4/C,!>G+!;RE5A4(PE/92NG$Y*,6S;<IV>R*2QRTX
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M2  /T?2#C. *@UJ;#DQ*(YN0&HTXP&)TAJ-.8F(&5Y^C&20,O)10R_2%Z @
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M' >R5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z <(X#V2O[S2KQO0#A'
M>R5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z <(X#V2O[S2KQO0#A' >R
M5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_
M>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:
M5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z <(X#V2O[S2KQO0#A' >R5_>:5>
M-Z <(X#V2O[S2KQO0#A' >R5_>:5>-Z ^RZG@A1@#0-2[ RQA,!G,EE L8$
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M,E1\T*^[XQ_Q#23R=&)K-50XR5'S0K[OC'_$-)/)T8FLU5#C)4?-"ON^,?\
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M,E1\T*^[XQ_Q#23R=&)K-50XR5'S0K[OC'_$-)/)T8FLU5#C)4?-"ON^,?\
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MVT>4LW>V1N$I> 2VP69?&)C940CC^B)@D+0FJVEV>DB-<G+6(V0E6E&:G-&
M)Z8XLXO.?2+&$6,9UW_17]*7IGRIZ2<A\G7SE"[VETOO*=SNUX@AY/N5G%'8
MVUM#!'"HX+&&.!N%M**%IK:F9;"_WF.VLH(HH7#%:0PO]2%8-I/&1L\Z_51W
M1H!H!H!H!H!H!H#K(LRX]P,;0;EVF)2I8]J8&]P*Q8R[.JVG(B^N-,/,(D\F
ME[;0LA)A]BP&52Q*^5W*FZ-0&YXBUR).P$'K978J!OD\2FS0)26&.V?=X=LY
M]V!<]7[G+"=[GS&Y>%.FCS\'=VE(C3LD;&!PB;G05Z4C4%(M?7CB4"H+Y?\
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MBQPS1D7R4:PMZYM1A2>W=E8+ 80X.;J<)3@[!XAFA4 *$6(D 20B ,9GY/\
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MM6YM5KBQ$O/;L,4X\H;0OJ,#WE'/ C'5P[X$RC9&<+Z50A=<DV>9<AJ',C]
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MI.^6L5D[)6?-LW:<Y1N+9%!#*7-7UISGU;,38CUTCJC0#0'GI_E8'^HS4?\
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MQ;?B1$(M8#7-G'\E30O2_?I>!+$^ACZH.T27F&K!M2=WP:GQ<M'!$FZNI.)
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MQ>N4<<G_ .2F_P!2S8E_%32G_.V;6S<^E7?UL'B;-SZ7=O7V7OH]:'5O+N-
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<8(ZBPVF(2#VY4[$N;Z\"#+6@&@&@&@&@&@/_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g814489g73l80.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g73l80.jpg
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M P,# P,# P,# P,# P,# P,# P/_P  1"  K "L# 1$  A$! Q$!_\0 OP
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MK4EJ:$TPT@;MEC4%!A"RI16G.,>F.W&;J;2Z[<U;G962G5L[EQ:NLMR$"XH
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M-+FVZM+);0$K3K06W25==2B8*RB"!W\3K3IU%IUXM-T2;,XRJ2=*E$I.E6I
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A]'M7^?=L]*_W'T3_ (OL[D.[B3YON/U7N7P_OWL[^/_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g814489g77k35.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g77k35.jpg
M_]C_X  02D9)1@ ! 0(!>@%Z  #_X3PG:'1T<#HO+VYS+F%D;V)E+F-O;2]X
M87 O,2XP+P \/WAP86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(
M>G)E4WI.5&-Z:V,Y9"(_/CQX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z
M;65T82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T
M-38V,2P@,C Q,B\P,B\P-BTQ-#HU-CHR-R @(" @(" @(CX*(" @/')D9CI2
M1$8@>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S R+S(R+7)D
M9BUS>6YT87@M;G,C(CX*(" @(" @/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O
M=70](B(*(" @(" @(" @(" @>&UL;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N
M8V]M+WAA<"\Q+C O(@H@(" @(" @(" @("!X;6QN<SIX;7!'26UG/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O9R]I;6<O(CX*(" @(" @(" @/'AM
M<#I#<F5A=&5$871E/C(P,3<M,#,M,#=4,3 Z-3(Z,#@K,#4Z,S \+WAM<#I#
M<F5A=&5$871E/@H@(" @(" @(" \>&UP.D-R96%T;W)4;V]L/D%D;V)E($EL
M;'5S=')A=&]R($-3-B H5VEN9&]W<RD\+WAM<#I#<F5A=&]R5&]O;#X*(" @
M(" @(" @/'AM<#I-;V1I9GE$871E/C(P,3<M,#,M,#=4,3 Z-3(Z,#@K,#4Z
M,S \+WAM<#I-;V1I9GE$871E/@H@(" @(" @(" \>&UP.DUE=&%D871A1&%T
M93XR,#$W+3 S+3 W5#$P.C4R.C X*S U.C,P/"]X;7 Z365T861A=&%$871E
M/@H@(" @(" @(" \>&UP.E1H=6UB;F%I;',^"B @(" @(" @(" @(#QR9&8Z
M06QT/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4](E)E
M<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'AM<$=);6<Z=VED=&@^,34V
M/"]X;7!'26UG.G=I9'1H/@H@(" @(" @(" @(" @(" @(" \>&UP1TEM9SIH
M96EG:'0^,C4V/"]X;7!'26UG.FAE:6=H=#X*(" @(" @(" @(" @(" @(" @
M/'AM<$=);6<Z9F]R;6%T/DI014<\+WAM<$=);6<Z9F]R;6%T/@H@(" @(" @
M(" @(" @(" @(" \>&UP1TEM9SII;6%G93XO.6HO-$%!45-K6DI29T%"06=%
M05-!0DE!040O-U%!<U5':'9D1SEZ84<Y=TE$375-04$T46ML3D$K,$%!04%!
M04)!05-!04%!045!)B-X03M!44))04%!04%104(O*S1!1&M&:V(R2FQ!1U1!
M04%!04%F+V)!25%!0F=114)!545"9U5&0F=K1T)164I#=V='0F=G3$1!;TM#
M=V]+)B-X03M$0D%-1$%W341!=U%$031014$X3T1"351&0E%417AW8D=X<V-(
M>#AF2'@X9DAX.&9(=T5(0G=C3D1!,%E%0D%91VA54D92;V9(>#AF)B-X03M(
M>#AF2'@X9DAX.&9(>#AF2'@X9DAX.&9(>#AF2'@X9DAX.&9(>#AF2'@X9DAX
M.&9(>#AF2'@X9DAX.&8O.$%!15%G0D%!0V-!=T52)B-X03M!04E205%-4D%F
M+T5!84E!04%!2$%114)!445!04%!04%!04%!05%&07=)1T%104A#06M+0W=%
M04%G241!445"05%%04%!04%!04%!)B-X03M!44%#07=11D)G8TE#46],14%!
M0T%1341!9U%#0F=C1$)!24=!;DU"06=-4D)!049)4DEX459%1T4R16EC6455
M37!':$)X5WA1:5!")B-X03M5=$AH37A::3A#4GEG=D5L47I25&MQ2WE9,U!#
M3E51;FLV3WI.:&156DA41#!U24E*;TU*0VAG6FA*4D92<5,P5G1.5DM"<GDT
M+U!%)B-X03LQ3U0P6EA71FQA5S%X9%AL.5=:,FAP86UT<V)7-799,U(Q9&YD
M-&58<#=F2#$K9C-/16A984AI26U+:31Y3FIO*T-K-5-6;'!E66U:)B-X03MQ
M8FY*,F5N-4MJ<$M7;7 V:7!Q<75S<F$V=F]204%)0T%1241"455%0E%914-!
M341B445!06A%1$)#15--545&55).:$EG6GAG6D5Y)B-X03MO8DAW1DU(4C13
M3D-&5DII8W9%>DI$4D1G:&%357E7:5DW3$-",U!33F5*16=X9%5K=V=*0VAG
M6DIJ6D9':61K9$95,SAQ3WIW>6=P)B-X03LP*U!Z:$I3:W1-5%4U4%)L9%E7
M5G!B6$8Q95@Q4FQ:;61O85=P<F)',75B,E(Q9&YD-&58<#=F2#$K9C-/16A9
M84AI26U+:31Y3FIO)B-X03LK1&Q*5U=L-6E:;7!U8VY:-F9K<4]K<&%A;G%+
M;7%Q-GET<G$K=B]A04%W1$%104-%44U2040X03E5-'$W1EA9<3=&6%EQ-T98
M67$W)B-X03M&6%EQ>&YZ<BM9=FQ4>61A*W)R1C)&=4A(2T-X:6\Y>$HO<7!5
M54@K53%"-S1#85EY:T)Z9E S;2]W1#5Y4C@U87$W=S9'<6%*6D=O)B-X03M$
M2E-7-5E(*V%2>'A8+UE+0U!(24=44DQ-96IZ1%4Y8C%N5DIJ3G%D.6-8<W V
M>5A%<GET.3=K-$=S:VQ$,G0S9#)K>7I7<S!L=DUP)B-X03MQ<VM41D="2&--
M<$)X44,Y4SAO9C@U1"MC3DAS<FUY,5=1-G1',$5I,DYZ3%)R:4=F9V933$]F
M-WA/9$]83W X1#)*16TR3U5J;7A8)B-X03LO;&)0-6QF.51(92\X:E1G=&HT
M:W4Y,R]!0W1N.'EV*W!J=F8K4G!X=&9%;#-U+S57>BM:6"]5>#-V.$%Y3D].
M<C1K=3DS+TLR9GI+)B-X03LO=T-P:G9F*U)P>'1F16PS<C=F.#!V>E%U2C0W
M941Z0F935%1-<V-587E'<DUX;V](>DIX<W(T:VXQ>BMJ3F,O=V(K:E P9S,V
M9"MO)B-X03ME:"MK+V@U9E=V4S0K<CEM;C(Y*VXT-5DU5F)*,6A3-T9867$W
M1EA9<3=&6%EQ-T98:D@U<V9N.6$V1S@R:2M6,E,V,61A<&,S>$%E)B-X03M'
M,UEB1E9",FMK2"]!04DY.7AK5$IQ;FMR:RMA.5(Q1R]W0E-V6F(V+W5*3'$X
M;F)N3E!+>%HR2CA38V<T>$YO9D9867$W1EA9<3=&)B-X03M867$W1EA9<3E.
M+S5X-SAQ+W!V>B]"95-P>7,Y1E@V-TE4,$UO4$="9FYZ4% O6319:F1S>%)S
M=G)B3$A+9&ER<U9D:7)S5F1I<G-6)B-X03MD:7(U-"]/=C@X;FQE9GEZ-55U
M85%$;$AQ5W%X2#=F6F]91T@W4#A!330V.71T>D-5;6I*:S9"-$AK5V@R2W5X
M5C)+=7A6,DMU>%8R)B-X03M+=7A6,DMV<DPO;DAB>7 K:'9)86%H36Y'.#%T
M+W)42'8V0R]$07 K:7)J+T%&<VY%3U9I:E%E;S5*<V1I<G-69&ER<U9D:7)S
M5F90)B-X03LO=T-F4#5Y37!U4$M(;#)C<7=R1G)&.4=D*S1A,E%J+T%*2T5F
M-G9J:TI&;WE:3V=F4&U284A9<3=&6%EQ-T9867$W1EA9<3=&6%EQ)B-X03MM
M+VQ$>3E0-6HX>F%B;VM&43$Y3W-B=4)5<$@Q:V5N*U%G3%EH35):<#EZ,G1R
M8C)L<D1A,C9#3S-T,%=+1TUD1E)!1E92.&=-=&,Q)B-X03M6>%8R2W5X5C)+
M=7A6,DMV22]Z,R].:B]!03%P-3!$4G!W3F5V52]F4V]D-U="=C)Q.7!(2#)E
M-$AX9GDU1U)A<VLV9DQ"2DI*2G%4)B-X03MU4V-G-'IS5F1I<G-69&EQ6BM7
M+TQE<RM9.5AH,&Y33&,S1C5/9&Q'>7%O*S W=#!65C=N1DU9:W)034=L3'!'
M=#,R;')C2F0O55IN)B-X03MT,G5)>%)(84TX5TLQ-V-G85ER2555=GA1-T98
M67$W1EAU+R]!1&DW-54Y8E5D4S@P5'@Q:G1&*W!75$5B97))03!R02M+<'A(
M*WEY)B-X03M543,T63E8,%IK,CDR2W5X5C)+=7A6,DMS52]-<GHY62M39DQ5
M=7!Z8UIB,E-S5VY7:% Y-TU2=%5$9F=V5FHY2%5J05141U5Q1#1X)B-X03LQ
M6%9,+U9D4G5D4S%#6G)I.74U1VQN;6)Q>DUF=TAG3S)6=4E4849X43=&6%EQ
M-T954G Y:&5A:F915TYL13 Y,V-U<U5%2T-R33=')B-X03MG07A50S,P-V$K
M6#E.+THS.')T4C%)1DIF36,X25-3-S)Q,3%,.$U55612+V1X13AQ9#9%+TMF
M24]50G=29DQB37IS5UEL;5DQ6FIU)B-X03M35#-/46-6<D9867$W1EA!16M!
M0W!/=T%X5CET9FQJ-59(;&9Y4'!E;$UN0S9%46UV='%(-GA..&-G4&IX2C1!
M*T%Y=T)Z26EH5$MC)B-X03M,2C)+=7A6,DMU>%93=3=U,G,W5V$W=7!&:'1R
M9$=L;FQC,%9546-M66YW04=+=FI,.# O>D%U=D]V;6EA+W%Y86)B,6@P>3-/
M,T-%)B-X03M(-U)(.#AN,FTK-W1L4DYU2D]6;&@R3$(R2W5X5C)+=7A6.4LO
M=T1/3W8U6D14<D)F3BMQ4F8V9F5O4G!C8FIE2S-954UU+S=5;S9F)B-X03LU
M4#A!<EI/26-J1D-T,#DO4$QY2#5Y.#4R=6PR1VAM05=.<SAK.3)S,'!J-5,P
M0WA%04LS,E9,+T%(-'E&<W-K4V54>4PO;U=R.'EF)B-X03M#>"\V4T0O>E)K
M945T6&=L,R]1=%@U:RM&:B\P:T@O;6I(:$LK0UAF.4,Q9FU4-%=0+U-19BMA
M365%<C1*9"\P3%8K6E!H62\Y2D(O)B-X03LU;W@T4W9G;%!V278O3T]N;7%Y
M.#$V9&9A*V)185A:>7)C5$I(25I7:TU2-4EN2&EO;WI!5G(R=VE,2T])9S=V
M<$1*=#=S5F1I<G-6)B-X03MD:7)S5F5"+S@U2V9M25EO,#AL-F1*4C51<RMS
M3W952CEQ2T0O6F)/,W1X.%1K2D9P>7DV4&YJ275/-T9867$W1EA9<7HO.$%*
M:CAV)B-X03M'.#0K86M&>D=4;W5N8UHY4V)E:D-V-W5'=FI)4G8X035)3T5#
M,GI(0WDK=S!215)54E%Q2T%Q<6]O04)S04%-<V-P=D9867$W1EA9)B-X03MQ
M-T9867$W1EA9<3=&6%EQ-T95:3@X96),3'EN-5EV9&)U<4XY6%-L=D-45#%:
M,C)J:DAZ8G(T0W!W16]K849V:5!63E1V9%4Q1S4Q)B-X03M'*VM-,35D>4Y.
M4$EE-W5A;DLS1$IT0S1O9&ER<U9D:7%P8E<X.7IC4E<Q=D<P<S@W<DA$16]Q
M>D\U-'%O2&E38U9F868U6652<F9Y)B-X03MB-5-T9$U!53,X9SEF57!L+V)U
M2$$U0W9D52MW=G-+.3AS07!Z25)O37-W<VY9<3=&6%EQ-T9867$W1EA9<3=&
M6%EQ-T9867$K6"\K)B-X03MC:V902C%8>DI(-6)T2F$R1VHW,TE5+T,Y,C0K
M2W9J-E-N:C=%=&M*1G@X<W0V94]:1G!D:7)S5F1I<G-693$O.#0Q*U$O,&QR
M53-M)B-X03MQ.6IR6C975$99:'5J6%1$9'5M+W!),R]!05)"-UI+26)S365R
M-EEY8FM/>%8R2W5X5C)+=7A6,DMU>%8R2W5X5C)+=7A6:G8U:&5B)B-X03M9
M9DMF;$A53F)F:5IO22M&<$<S-V1X2CA-4S W:FMA=#=!-$-736I1=#A26$YZ
M4&18371Z8U-'5S1N9'!*<%=.5UHS4$IM2CA35&QB)B-X03MH<65+=7A6,DMU
M>%9&85AP;#=Q;7!7,FTR35IL=3=Y5EE927@S9'I19E(T;D913&9C4&LO>7I:
M95=03%9H;VQO05DW3TE+.&=&1$I+)B-X03MD-4I$-W4U2GEW0GI12T9+;FU4
M>E)O4&QR5$<Q4%A,=&)/>58Q:CE6;&1Y6&8W2W%K660R4&999$XK;45L4U%/
M8D5V*U8K+VQ,+S%F)B-X03MF*VY3."\V;S1/24U01FDW+VQF=C53+SE8,R]P
M,'90*W%/4$5&.%=+;VXU-R]L431Q3F551' X5G9D2V9U84E9.%%4-&ME.60O
M=T%R)B-X03MZ+TMR+W$O>"]W1$EM-2\V<%DX45AX23DV2C S.#1V>3,Q4%5,
M8E1R2%=K;G9,=5)98F5%43-!3$\U;V]Q67=".4IX-&=K5$1-<TQ*)B-X03LR
M2W5X5C)+=7A6,DMV;7HO04IY93@S=&1A,5IE5F](4&]A96]U<C%2,$YX2W8W
M<T5F-452<5 X05AY16DT*V%84C1F:U=L,DMU>%8R)B-X03M+=7A6-VXO>FI(
M-4I.>G%D,35T=6LO8U=)83$P*W9E95)F,W)J+U5J8FHO<W9B2E)$9FAJ,693
M1U1B,WDO=T0X-4LK8VIQ9FUM2'DY)B-X03MB=E=Z,%IA>C!/>EA5;T)B+V=%
M;U!9.'-H2750;6QV5'AZ271,<U9D:7)S5F5X+S@T>F564#!J-71U9&5N4W1V
M;S!625-E;C%I-$)2)B-X03ME=EAJ2'HK;6U'26)S360W9E5'5T]1-T9867$W
M1EA9<6@Y4G8W8E0Y4'5B*S9B:&$R:U1Z>G8Q<$A%<&1J.4%'2W9H6'I&<E8Q
M<FUU)B-X03LS*W-86#DO9GIV3W<V.&5B5D-J,E5B1$MN0VMB3G!D:6@R2W5X
M5C)+<3%N6C-.-V515V1R1UIB;35K5TM#3F5R3S5#<6\K6D]+9U!U)B-X03M,
M>58U670O3$AL8E1T1&=O4EIX0EI82%(U5U!/5BLS,FY9:UI9035S4E%P12M:
M9&1T9$$X=C9H<DXQ+V,R141Z1F$P-492.$M!*TQT)B-X03M24C@X2E5M9RM&
M=%)V-W)58BLU=C=T+U5U<G56-34U1"LP.&I&;5 S;DMN0TIT1#1Q-T9867$W
M1E@R4BM39FQ4+T1N-64V9D9+;D,Y)B-X03LQ0698-W5V6&Q/0555+S9S455%
M94YC<VE.;DQX>&]--W=S,UEQ-T9867$W1EAL=B]!1&M:-6HO4E@U97E736)!
M6$=S5$IA9U8K3#!L)B-X03LO97ES4&(T06@O,7-J2G)Y;6<K5'-G-')S5F1I
M<G-69&ER,7HO;D<W>6=.5S@T>6$Q8TIY<SE%45-*6&-'-6QQ<U@O07%'8C))
M1T=))B-X03MB8TUD-V95*U=/4SA2+S5Y9C@Q9E9.0G-03&-$,&TQ1U0V>F1+
M1'8V14(K045E1'E';R\Q8VI)=$]9-U4K87-G-#=S5F1I<G-66E0K)B-X03M7
M4&Q8+T9(;FI3.4ID83)R4RMT965(;U$O2$E0.6M&-&HS3TE$2T5B3#=A04%&
M0G-",$=7=5DW1EA9<3=&6%EQ-T98>D@O>FQ$<G!U)B-X03MV3G5N-D]J,6DP
M,C$Y4C$X2G)L<70O>51J5$E38V9-9#9E35I&<&1I<G-69&ER<U9F668U1V56
M:#5F.$%Y-S X4TIX=DY42#91=69()B-X03LY.$(V42MI24IT-#%Y>4DR8W9(
M1V<Y07=S,WAF*V(S;78O13-N-U4W-DXK9&Y!+S%3>$YA:C!92W)Y6#)D=50O
M044U55,T;5-6;&AM)B-X03M,0C)+=7A6,DMV;S<O;D8S>6]93DTQ3'I03W1(
M=D<K<%=:3F$K;$51,')$,EHK22\R3U-I2$EW>#)T-W)K,C4R2W5X5C)+=7A6
M,DMV)B-X03MI<C@R=%5F52]W07EF34YY>F-G;#0Y=6A(5&IB9G5&<#E%959(
M;31M43-*:4],0C)+=7A6,DMP,S5),$)V35!M-U-D1T%*4SAU55-B)B-X03MI
M2VM203AP5R]W0FI'<DA%36]I>2LU,%)%4E5247%+07%Q;V]!0G-!04UT8WAH
M;C5W96)H-5@X:#9H95)V=W9R<&9Q9&@Q<C8P-$DU)B-X03M#;F1%-5 X05)G
M2EEZ;%%F1T=6=4<W1EA9<3=&5E<P=&)I.'4T8E,S47E81GA)<U5-639S-VM+
M;TAZ2GA50CDP955V3#EV-60X=&%B)B-X03MO:T9#;&I!:U1-3VI357))+W=$
M<S-*8C9C<T1M9U5%,G=P9&ER<U9D:7)S5F1I<C1%,4,U839V-VTV63%A958U
M4U188W5X8G8X.'%C)B-X03M);F1$-&]D:7)S5F1I<C%Z+VY'6%-K=2]0.#$V
M-#(P-GEL:VI0+T9K<DQ%4"M%9'--96)B:$<W-FYY>'E8>7 O>FM4-3186&9.
M<39.)B-X03MA4'DP+U%U8TQ%9$AU;4DY62\W1&E%*UE0:FQC:30R5U9M;FLK
M0G%D:7)S5F1I<C%4+VY(5'EN*VUF4%,V;DY(>7-T1%0V>7A)2E@Q)B-X03LS
M<7-#,3A1951J+U9W>$1B:6I:9E8K5T]3-T9867$W1EA9<3=&6%EQ+U!Z2VY"
M9&ER<U9D:7)S5F5K9FM6-3@P:GEH-7%N;#%G;4]W)B-X03LQ0T0V=3EY;TQE
M:S1D5U9M07%E3WA";TU-5%1::6M!9#-R2#5N+VXW-64P+U):<DQY<F5R9C9Z
M9$E54S5H0DU6<W)$951M84)N;V9H)B-X03M!-DAD=6Q$27EB6C5!3U0U9UIM
M6FEZ16QI86MN8VMN24]-,6ER<U9D:7)S5F982"]!1&HY-51':&513&4V;6HT
M,W5S=#ED;4I'+W!-)B-X03M+44PX=E0K4"]:2$IX1&Q9-#!(<&538DA9<3=&
M6%EQ-T9867$W1EAW5G)U;GEA8G)E;V%D24]-;&YC>E<W3#!O66Y+9G=Y<'=P
M1&1!)B-X03LT;V1I<G-69&ER<U9D:7)S5F1I<G-69&EQ92M2=DQ5=FUB>F)P
M;6E29SAB=6123WDY5FA8-#5M+S)-86LT:&Q%5V%F8V--355%36--)B-X03M+
M:$EO;$-2;W5W5E9&04(X:&QR;4PX5F1I<G-69&ER<U9D:7)S5F9*;B]/42]L
M5U12=E P,F]2<'AS=&%16%540W105D%#5')5.2M1)B-X03LU;B]7>7518V),
M1VDX=G=.5'-69&ER<U9D:7)S5F1I<G-69&ER<U9E+V8X04],;FQ0;$QQ9FUM
M9$YK+S!#>$I(-U)O.'I$-41G;U!U)B-X03MC;$5.*T=05CE#-4YV9&ER<U9D
M:7)S5F1I<G-69&ER12]W07IF249N-3(X<WDV6DEY=S-S4CEB5')P:%@P-6=+
M56%M+T)X.$QF9C%!)B-X03MW15=X;D=W*TXY8S!,5F1#,5-F4SE6=#)T8C8S
M8FI*12]W0C192&]666)G:G)L8FE%56=-54]X5C)+=7A6,DMU>%8R2W5X5G1%
M9#-6)B-X03M%57,W14MQ:F-K;EE!67$K-&9Y*SAR<#58.&YA6&]T04IR945'
M-DEP=E!)96-P<4]V>'-14&),04A-:4M&36AW<VY9<3=&6%EQ-T98)B-X03M9
M<3=&6%EQ-T973V5D4'DY.')E8V)-5RMT5W9/5TU59W9):G=U27$O>5!1-V8U
M3$%R-UE#3%EY:41Z949E6E K8U@O371Q-U-A0G%%)B-X03M';W=D5FAN<F)Z
M+TEF86IB-6QL*U=235=K-%0P659D+VMT*V%&<DPV8VYL*V1Z5V=A1F\U;"\T
M2TXR1T-I=SA/4TIS=GE(+TY3-D\R)B-X03MI;491848U<#1)-F916#5F8TUE
M17 X2U1(9D]8;$<K.' V,&1',4-E0V4O:FEJ:W56='EZ3$<P;S5R1U=:57$S
M06=M9W!V,7=%35I2)B-X03MP27-73'-69&ER<U9E:2]K3C56+U0O-6A78VMQ
M8W)04U(Y9G5+.4]54D%H6#9:4W!P-$$T66ID<WA2<W9R-TQ(2V1I<G-69&ER
M<U9D)B-X03MI<G-69&ER<U9D:7)S5F1I<G-6475Q-FQA85AP;#-Q5C(S0S%S
M;UAU2C)(54I'<%IQ5G!V45EQ4RM&=DU'<S-7=#8S9F%V9"\W,%@X)B-X03LW
M>GE!9$)Z66M+4%I2<TUQ8TEM>F%8-&]D:7)S5F1I<C9P+S5X=#AQ+V]R>5,K
M<GI,4S8Q=5@Q4C1I,VAQ:U$K;'5B9DEJ2GA$:S1O)B-X03LP2')74V)867$W
M1EA9<3=&6%EQ-T9867$W1EA9<3=&6%EQ-T98:G8O041K=C5S+U)V;$LS,$-"
M-EA/<WE6;4%P55<P0D1.6'5/56Y!)B-X03M$>$%B27E,5FQL469,,E%C6C)+
M=7A6,DMP;#5A,$LV,3=8.5 P83$O=G(K9$E1,4LX47@K2GHW2W173TM9:7I4
M-W%S3$<R<TQ#,G-B)B-X03M64%1T8E-*24E)+S59-#%#<5!O07DQ>E9F1EA9
M<3=&6%EQ-T9867$W1EA9<3=&6%EQ-T9867$W1EAX<BMD2&TS+T5V-6=A:&-2
M4'IS)B-X03MB12]58DMH<7!J9TI$34-/;V51<W<Y:FQ:3&E:2E=71%E'1'-6
M9&ER<U9E,R]W1$],+VQ4-C%R;"]W0UIP,')$<#!F,6$P63$O=C5X)B-X03LX
M8DPO04MS5W@O,3AL14XR1U!6.4M:3GE(67$W1EA9<3=&6%EQ-T9867$W1EA9
M<3=&6%EQ-T9722]M=C5S+W=T-48Q3%5O,S18:VEF)B-X03M6<D%G:TXV.#-W
M<7EK9#!&6"\R3T%L:D]60CA66E<T8G-69&ER<U9D:7(W52]+8GEP+VAJ>4AP
M;6Y32G=V2D4K=%AW-RMV4#A40G9D)B-X03M&;VXK>'EW0GI)4F]-=G=S;EEQ
M-T9867$W1EA9<3=&6%EQ-T9867$W1EA9<3=&6'I2+WIK-S5U*W4K64Q0>7I!
M+W=#-#!T4%AU=TLW)B-X03LS131"54AT.$560U Y635#4F-F3DQO.%1Y3%,W
M1EA9<3=&5V$O:S4U5"]X3C4O,#)Z;%%V6E=R9EA,-V%O.4M#:D)7.6YF:6XP
M-%%')B-X03ME3TYL.6Y:635B<U9D:7)S5F1I<G-69&ER<U9D:7)S5F1I<G-6
M9&EQ13%F5DQ44W1+=3E4=3(T5W1L0S@X>F8U36%L:E0S,C)X56PX)B-X03M,
M83ER3C-R5W18,G(S6G)C,S!Z>GEE04QS5'A(<W916E4T4DYM,$)I:#)+=7A6
M,DMV<'(O04IX:3AQ9E5V3%8U-6EN4VLK<7DK;&)%)B-X03MJ+VHS='E14T0O
M;'EL9V8Y55I/26-N1$AA,W1/4V)867$W1EA9<3=&6%EQ-T9867$W1EA9<3=&
M6%EQ-T98:F8O041K>C5S+U(S;%,R)B-X03LX=G=04S4Q:51L3T(Q1G9!47AR
M-&-P3U S2$EY3%9L;%%P.'=:0GAN67$W1EA9<6ET2S R-C%453=45&)2960Q
M97I*0D-V:3AJ0E(K)B-X03MV1DE&=G5R461'=&1&,%-X,&DP2"MJ,D5%8T5:
M<%%K26](22LW9%1L<FU!56HX575X5C)+=7A6,DMU>%8R2W5X5C)+=7A6,DMU
M>%8R)B-X03M+=FI0.#5F3G8K2G90*V]8555N3WAS>CE3<U-$5F949TI"6F9:
M-4-Z1#4U5U,T;5-6;&A'0F<W1EA9<3=&6'-(+T].4&Q4.4HK8THY)B-X03MC
M;51L8F%,1E=/=$-$8U1G;VUX+VQ13V99,'=X1&)H:G9B-FIY>'E867$W1EA9
M<3=&6%EQ-T9867$W1EA9<3=&6%EQ-T972"]!2G1E)B-X03MB4#A!0R]K4%5T
M4FIF:&53<#E6<U17:#EE97%H:#=O=DHO;W=%<UIY;U!I>DLS1&1I<G-69&ER
M<U9F678U2"M64#A/+VPW64Q+;D<X)B-X03LQ2698-W%V5W-W2'!R+W-99W4S
M:EA,26I:>3AC8410<TQ.,DMU>%8R2W5X5C)+=7A6,DMU>%8R2W5X5C)+=7A6
M.#!F.#50.$%M<')V)B-X03MZ1%DK5S174&]A6D@Y6752=4%:-7A69FYX:G!1
M+W=#56-H2750;5!2-&YK5VPR2W5X5C)+<V\O3%1Y;S-M;GIT<&UK1E,Q<SAO
M;'94)B-X03LR1G9&.&-M+V)K0GA(=5)I07EH1WDK,C%65E5+;T%50V=!,D%!
M>3%Z2%EQ-T9867$W1EA9<3=&6%EQ-T9867$W1EA9<3=&6"\R43T]/"]X;7!'
M26UG.FEM86=E/@H@(" @(" @(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @
M(" @/"]R9&8Z06QT/@H@(" @(" @(" \+WAM<#I4:'5M8FYA:6QS/@H@(" @
M(" \+W)D9CI$97-C<FEP=&EO;CX*(" @(" @/')D9CI$97-C<FEP=&EO;B!R
M9&8Z86)O=70](B(*(" @(" @(" @(" @>&UL;G,Z<&1F/2)H='1P.B\O;G,N
M861O8F4N8V]M+W!D9B\Q+C,O(CX*(" @(" @(" @/'!D9CI0<F]D=6-E<CY!
M9&]B92!01$8@;&EB<F%R>2 Q,"XP,3PO<&1F.E!R;V1U8V5R/@H@(" @(" \
M+W)D9CI$97-C<FEP=&EO;CX*(" @(" @/')D9CI$97-C<FEP=&EO;B!R9&8Z
M86)O=70](B(*(" @(" @(" @(" @>&UL;G,Z9&,](FAT=' Z+R]P=7)L+F]R
M9R]D8R]E;&5M96YT<R\Q+C$O(CX*(" @(" @(" @/&1C.F9O<FUA=#YA<'!L
M:6-A=&EO;B]P;W-T<V-R:7!T/"]D8SIF;W)M870^"B @(" @(" @(#QD8SIT
M:71L93X*(" @(" @(" @(" @/')D9CI!;'0^"B @(" @(" @(" @(" @(#QR
M9&8Z;&D@>&UL.FQA;F<](G@M9&5F875L="(^8V]V/"]R9&8Z;&D^"B @(" @
M(" @(" @(#PO<F1F.D%L=#X*(" @(" @(" @/"]D8SIT:71L93X*(" @(" @
M(" @/&1C.F-R96%T;W(^"B @(" @(" @(" @(#QR9&8Z4V5Q/@H@(" @(" @
M(" @(" @(" \<F1F.FQI/G)R-3 T.#DV/"]R9&8Z;&D^"B @(" @(" @(" @
M(#PO<F1F.E-E<3X*(" @(" @(" @/"]D8SIC<F5A=&]R/@H@(" @(" \+W)D
M9CI$97-C<FEP=&EO;CX*(" @(" @/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O
M=70](B(*(" @(" @(" @(" @>&UL;G,Z>&UP5%!G/2)H='1P.B\O;G,N861O
M8F4N8V]M+WAA<"\Q+C O="]P9R\B"B @(" @(" @(" @('AM;&YS.G-T1&EM
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O<U1Y<&4O1&EM96YS:6]N
M<R,B"B @(" @(" @(" @('AM;&YS.GAM<$<](FAT=' Z+R]N<RYA9&]B92YC
M;VTO>&%P+S$N,"]G+R(^"B @(" @(" @(#QX;7!44&<Z3E!A9V5S/C$\+WAM
M<%109SI.4&%G97,^"B @(" @(" @(#QX;7!44&<Z2&%S5FES:6)L951R86YS
M<&%R96YC>3Y&86QS93PO>&UP5%!G.DAA<U9I<VEB;&54<F%N<W!A<F5N8WD^
M"B @(" @(" @(#QX;7!44&<Z2&%S5FES:6)L94]V97)P<FEN=#Y&86QS93PO
M>&UP5%!G.DAA<U9I<VEB;&5/=F5R<')I;G0^"B @(" @(" @(#QX;7!44&<Z
M36%X4&%G95-I>F4@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@(" @(" @
M(" @(" \<W1$:6TZ=SXV,3(N,# P,# P/"]S=$1I;3IW/@H@(" @(" @(" @
M(" \<W1$:6TZ:#XW.3(N,# P,# P/"]S=$1I;3IH/@H@(" @(" @(" @(" \
M<W1$:6TZ=6YI=#Y0;VEN=',\+W-T1&EM.G5N:70^"B @(" @(" @(#PO>&UP
M5%!G.DUA>%!A9V53:7IE/@H@(" @(" @(" \>&UP5%!G.E!L871E3F%M97,^
M"B @(" @(" @(" @(#QR9&8Z4V5Q/@H@(" @(" @(" @(" @(" \<F1F.FQI
M/D-Y86X\+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL:3Y-86=E;G1A
M/"]R9&8Z;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D^665L;&]W/"]R9&8Z
M;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D^0FQA8VL\+W)D9CIL:3X*(" @
M(" @(" @(" @/"]R9&8Z4V5Q/@H@(" @(" @(" \+WAM<%109SI0;&%T94YA
M;65S/@H@(" @(" @(" \>&UP5%!G.E-W871C:$=R;W5P<SX*(" @(" @(" @
M(" @/')D9CI397$^"B @(" @(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E
M5'EP93TB4F5S;W5R8V4B/@H@(" @(" @(" @(" @(" @(" \>&UP1SIG<F]U
M<$YA;64^1&5F875L="!3=V%T8V@@1W)O=7 \+WAM<$<Z9W)O=7!.86UE/@H@
M(" @(" @(" @(" @(" @(" \>&UP1SIG<F]U<%1Y<&4^,#PO>&UP1SIG<F]U
M<%1Y<&4^"B @(" @(" @(" @(" @(#PO<F1F.FQI/@H@(" @(" @(" @(" \
M+W)D9CI397$^"B @(" @(" @(#PO>&UP5%!G.E-W871C:$=R;W5P<SX*(" @
M(" @/"]R9&8Z1&5S8W)I<'1I;VX^"B @(" @(#QR9&8Z1&5S8W)I<'1I;VX@
M<F1F.F%B;W5T/2(B"B @(" @(" @(" @('AM;&YS.GAM<$U-/2)H='1P.B\O
M;G,N861O8F4N8V]M+WAA<"\Q+C O;6TO(@H@(" @(" @(" @("!X;6QN<SIS
M=$5V=#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87 O,2XP+W-4>7!E+U)E<V]U
M<F-E179E;G0C(@H@(" @(" @(" @("!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS
M+F%D;V)E+F-O;2]X87 O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(^"B @(" @
M(" @(#QX;7!-33I$;V-U;65N=$E$/GAM<"YD:60Z,D8Q,38X,#)&-C R13<Q
M,3@X-C5&-#8Y,3)"0S5%0T$\+WAM<$U-.D1O8W5M96YT240^"B @(" @(" @
M(#QX;7!-33I);G-T86YC94E$/GAM<"YI:60Z,D8Q,38X,#)&-C R13<Q,3@X
M-C5&-#8Y,3)"0S5%0T$\+WAM<$U-.DEN<W1A;F-E240^"B @(" @(" @(#QX
M;7!-33I/<FEG:6YA;$1O8W5M96YT240^>&UP+F1I9#I$,S V1CE$,D0S041%
M-#$Q03A$041&-35%,48Y.#%#13PO>&UP34TZ3W)I9VEN86Q$;V-U;65N=$E$
M/@H@(" @(" @(" \>&UP34TZ4F5N9&ET:6]N0VQA<W,^9&5F875L=#PO>&UP
M34TZ4F5N9&ET:6]N0VQA<W,^"B @(" @(" @(#QX;7!-33I(:7-T;W)Y/@H@
M(" @(" @(" @(" \<F1F.E-E<3X*(" @(" @(" @(" @(" @/')D9CIL:2!R
M9&8Z<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @(#QS
M=$5V=#IA8W1I;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @
M(" @(" @/'-T179T.FEN<W1A;F-E240^>&UP+FEI9#I$,S V1CE$,D0S041%
M-#$Q03A$041&-35%,48Y.#%#13PO<W1%=G0Z:6YS=&%N8V5)1#X*(" @(" @
M(" @(" @(" @(" @/'-T179T.G=H96X^,C Q-2TP,BTP-E0Q-CHR-CHT,2LP
M-3HS,#PO<W1%=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T179T.G-O
M9G1W87)E06=E;G0^061O8F4@26QL=7-T<F%T;W(@0U,V("A7:6YD;W=S*3PO
M<W1%=G0Z<V]F='=A<F5!9V5N=#X*(" @(" @(" @(" @(" @(" @/'-T179T
M.F-H86YG960^+SPO<W1%=G0Z8VAA;F=E9#X*(" @(" @(" @(" @(" @/"]R
M9&8Z;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB
M4F5S;W5R8V4B/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/G-A
M=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V=#II
M;G-T86YC94E$/GAM<"YI:60Z,D8Q,38X,#)&-C R13<Q,3@X-C5&-#8Y,3)"
M0S5%0T$\+W-T179T.FEN<W1A;F-E240^"B @(" @(" @(" @(" @(" @(#QS
M=$5V=#IW:&5N/C(P,3<M,#,M,#=4,3 Z-3(Z,#@K,#4Z,S \+W-T179T.G=H
M96X^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IS;V9T=V%R94%G96YT/D%D
M;V)E($EL;'5S=')A=&]R($-3-B H5VEN9&]W<RD\+W-T179T.G-O9G1W87)E
M06=E;G0^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IC:&%N9V5D/B\\+W-T
M179T.F-H86YG960^"B @(" @(" @(" @(" @(#PO<F1F.FQI/@H@(" @(" @
M(" @(" \+W)D9CI397$^"B @(" @(" @(#PO>&UP34TZ2&ES=&]R>3X*(" @
M(" @(" @/'AM<$U-.D1E<FEV961&<F]M(')D9CIP87)S951Y<&4](E)E<V]U
M<F-E(CX*(" @(" @(" @(" @/'-T4F5F.FEN<W1A;F-E240^>&UP+FEI9#I%
M0S@R.$(T,41%,#)%-S$Q.#@V-48T-CDQ,D)#-45#03PO<W12968Z:6YS=&%N
M8V5)1#X*(" @(" @(" @(" @/'-T4F5F.F1O8W5M96YT240^>&UP+F1I9#I%
M0S@R.$(T,41%,#)%-S$Q.#@V-48T-CDQ,D)#-45#03PO<W12968Z9&]C=6UE
M;G1)1#X*(" @(" @(" @(" @/'-T4F5F.F]R:6=I;F%L1&]C=6UE;G1)1#YX
M;7 N9&ED.D0S,#9&.40R1#-!1$4T,3%!.$1!1$8U-44Q1CDX,4-%/"]S=%)E
M9CIO<FEG:6YA;$1O8W5M96YT240^"B @(" @(" @(" @(#QS=%)E9CIR96YD
M:71I;VY#;&%S<SYD969A=6QT/"]S=%)E9CIR96YD:71I;VY#;&%S<SX*(" @
M(" @(" @/"]X;7!-33I$97)I=F5D1G)O;3X*(" @(" @/"]R9&8Z1&5S8W)I
M<'1I;VX^"B @(#PO<F1F.E)$1CX*/"]X.GAM<&UE=&$^"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" */#]X<&%C:V5T(&5N9#TB=R(_/O_; $,  0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! ?_; $,! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! ?_  !$( %L -P,!
M$0 "$0$#$0'_Q  <   " P$! 0$            *"P '"0@&! 7_Q  Q$
M!@(! P,"! 8#       ! @,$!08'"  )$1(*$Q05(187&"(C)#%!89%15H'_
MQ  ; 0 " P$! 0              !00&!P," ?_$ $$1  (! @,%! 8$# <
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M11E/$HJ,%*LD:YLBF 3)+WE^03"'8"O<%%V<()'>D[YZ'V?EKYUHGH_A/5L
MCL+28D]LW/(=(ATR6?[YK<_DNGE3A10R_5IZ""^W629S9?5>T56D9@M)$7&2
ML>7,SR+I>0)=FV2;%M<)/1;&35K%N?-&R+>99O(I>"LKXJ4PZD8&3/+OIJ!B
ML'VI,D9 <VS Z!N%_ V^/SJM;6V#ZY(<3A72.9OK8WN$D(%@X8 Y'L ",N5M
MY*FY8<V]="SJ.XMJ5^R'DW%=)HF.,:5>Q7.UWN9S)BYY"M:[6(QU+23UM'UZ
MSS=I=*G:-%"L6"=>^H/71T6B+47"R:8P#@IU!9@H50226%@!TN?E5<?8.THU
MDDDBC2.-6=G,T9&506) 5F;<-V6Y.ZL@>1:3UU3I#K9+;>[7X,UWBRN2H9'O
M4:QLKUH BO#T6)*K/W^<2'L)06AZ9%3D@V XD(L[00;^93+%'G2&,RRH@^T=
M? #4GX U+P.&.,Q<&'%[22#.1PC7O2'PL@-O&U-6X.$B:U"P]<@(]K$P5?BX
M^$A8IDF"+.,B8IHBPCH]HB7]J35FS01;()E^Q$DR%#[!RR#30;A6J*H4!5 "
MJ J@;@ + #P TK]3A7VIPHJ<**&G]3#MG^5.JE,UBK<G[%MV2LP/;2BW5[.6
MV*,<NX^9DDUO:,"S7\1W1:ILFQSB5&2C(FT,!*LF#@I(&/ERQ",;Y#K[J[_B
M;?.JWZ2XOL<(F&4]_$MWK<(HR"U_><H!S ?E0'_$U4.B^?2XZH_)D\Y[G62-
M[I1B2>"<7.'"7<HOWA(RU9-EVH*@'@JT8_@J#8R#<#>:4I9XX52>#A([39T7
MMRGW%^18_N%^HJW^B^$UGQK#=]!%?GW7E8?[%!'Z8YT8_P :5<:G"BIPHJ<*
M*68=9';3]8&_.8[I#R?U+'F/'Q<,8M426]]DK4,>NWS%W,,%"F$BK*V6]S:+
M<R6 I#BPG&:*@"* #Q!BY>UF8@]U>XO0;SYFYZ6K--LXOUS'S.#>.(]C%RRQ
MW#$>\^9@>1'*LPH^/?2T@QBHMFYD).3>-H^.8,T3N';Y\]6(V:,VK=(IE%W+
MEPHFB@BF4QU53E(0HF, <C#70;S2L L0H!))  &I).@ ',FFHW3_ -86.G6G
MF"-?44&Z<U2Z2R<7ERV$AR2.1[*HK9K^^*X)W,Y;FM<M*-HQ10ZADX=M'-2F
M]END4MCAC[*)$X@:^+'4GXUJ> PPP>#@PXWH@SGG(W>D/CWB;>%APKL;G6IE
M3A14X45F=U=]M/T;Z'9GR1$R7TW(-MBPQ+BDZ:OLO"WW(3=Y&-Y6./W#L]J-
M=2L5X0 0,0YJS[1BF!3Q'AB9>RA=N)[J]6T\-PN?*ENU\7ZG@)Y0;2,O91<^
MTD! (\47,_W:6,<KU9C6U701U1_4UU Z!/3D;\W'^NC4V<K699'S9N)NN/&K
M7&T090Q3(BY7O;R(GOAK%.#Z(K,VGX>)#G),P47:3 G58^^>H]GYZ^-NM.]@
M83UG'H["\>&^F>^[,/JAUSV:W$*:8W<>5HM3A14X45.%%!U^JVLL\FZTLIR<
MHZ)6';?-UE=0I#%*R<ST>IC6+82C@A2@99TQCY.2:,S*&,5LE(/@1*07;@5%
MFTB;1"^EV-O'37^_'G50]*F:V#2YRDS,5X%AV8!Z@$@<KGG0??%54ZCBO2R5
M2NL]8MD;HVB6J5JGLX1%:EYLH'%Z]@JQ0H64@8M0QCF3*UC9"W6-V@5(A#&5
ME7 JF4 J().-G ")S;4M8GF -/A<_&KSZ+HHPN(< 9FF52W$A8U('0%F/F:*
...XPJSU.%%3A14X45_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>g814489g84e25.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g84e25.jpg
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MP-/XD<SIVW,\V,DJ[KTY!$LEBPV0HP!@# & , 8 P!@# & , 8 P!@# & ,
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MYH5E)]@C;"QU8]D;_LTW>=VD:R.3O'4DL;9*:2-7(K'0I&JM8U5[;X@<IU.
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M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
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M8Z)0)=Y9[4VNO'EC2KH(H?\ E!4GVE!UU*MN;S?S:+006&LHC)))-C-TX2R
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M , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8
CP!@# & , 8 P!@# & , 8 P!@# & , 8 P!@# & , 8!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g814489g89p54.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g814489g89p54.jpg
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MM*:3")A$PBZM>+O4=:T^S; OUBBJE2J;"2-CM-FG':;&)@X2*;*.Y"1?NE1
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M9R*L;.</MKS9DU#$3>Z\9Q6T(YP0!$"+I/-=REF3(FJ7L<I7/QUR (%7115
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&$PB81?_9

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