<SEC-DOCUMENT>0001206774-18-000183.txt : 20180123
<SEC-HEADER>0001206774-18-000183.hdr.sgml : 20180123
<ACCEPTANCE-DATETIME>20180123090022
ACCESSION NUMBER:		0001206774-18-000183
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20180123
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180123
DATE AS OF CHANGE:		20180123

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		18541179

	BUSINESS ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>southern3371081-8k.htm
<DESCRIPTION>CURRENT REPORT
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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>UNITED STATES <BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=2 face=Arial>WASHINGTON, DC 20549</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>FORM 8-K</FONT></B></P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>CURRENT REPORT PURSUANT <BR>TO SECTION 13 OR 15(D) OF THE <BR>SECURITIES EXCHANGE ACT OF 1934</FONT></B></P>
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   <TD width="72%" noWrap align=left><FONT size=2 face=Arial>Date of report (Date of earliest event reported</FONT><FONT size=2 face=Arial>)</FONT></TD>
   <TD NOWRAP STYLE="width: 27%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;January 23, 2018</FONT></TD></TR></TABLE></DIV>

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   <P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>Southern First Bancshares, Inc.</FONT></B></P></TD></TR>
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   <P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>(Exact name of registrant as specified in its charter)</FONT></P></TD></TR></TABLE><BR></DIV>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" align=center><B><FONT size=2 face=Arial>South Carolina</FONT></B></TD></TR>
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   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(State or other jurisdiction of incorporation)</FONT></TD></TR></TABLE></DIV>
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   <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; width: 10%; text-align: center"><B><FONT size=2 face=Arial>000-27719</FONT></B>&nbsp;</TD>
   <TD NOWRAP STYLE="width: 20%; text-align: center">&nbsp;</TD>
   <TD NOWRAP STYLE="width: 20%; text-align: center"><B><U><FONT size=2 face=Arial></FONT></U></B></TD>
   <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; width: 10%; text-align: center"><B><FONT size=2 face=Arial>58-2459561</FONT></B>&nbsp;</TD>
   <TD NOWRAP STYLE="width: 20%; text-align: center">&nbsp;</TD></TR>
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   <TD COLSPAN="3" NOWRAP STYLE="text-align: center"><FONT size=2 face=Arial>(Commission File Number)</FONT></TD>
   <TD COLSPAN="3" NOWRAP STYLE="text-align: center"><FONT size=2 face=Arial>(IRS Employer Identification No.)</FONT></TD></TR>
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   <TD COLSPAN="6">&nbsp;</TD></TR>
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   <TD NOWRAP STYLE="text-align: center"><B><U><FONT size=2 face=Arial></FONT></U></B></TD>
   <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; text-align: center"><B><FONT size=2 face=Arial>100 Verdae Boulevard, Suite 100, Greenville, SC</FONT></B>&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: center"><B><U><FONT size=2 face=Arial></FONT></U></B></TD>
   <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; text-align: center"><B><FONT size=2 face=Arial>29607</FONT></B>&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
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   <TD COLSPAN="3" NOWRAP STYLE="text-align: center"><FONT size=2 face=Arial>(Address of principal executive offices)</FONT></TD>
   <TD COLSPAN="3" NOWRAP STYLE="text-align: center"><FONT size=2 face=Arial>(Zip Code)</FONT></TD></TR></TABLE>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B><B><FONT size=2 face=Arial><B><FONT size=2 face=Arial>(864)</FONT></B> 679-9000</FONT></B></TD></TR>
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   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Registrant's telephone number, including area code)</FONT></TD></TR>
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   <TD>&nbsp;</TD></TR>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>Not Applicable</FONT></B></TD></TR>
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   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Former name or former address, if changed since last report)</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</FONT></P>
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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&#9744;</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>
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   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&#9744;</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&#9744;</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))</FONT></TD></TR>
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   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&#9744;</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</FONT></P>
<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Emerging growth company</FONT><FONT size=2 face=Arial> &#9744;</FONT></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>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 13(a) of the Exchange Act. &#9744;</FONT></P>
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<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 2.02. Results of Operations and Financial Condition</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>On January 23, 2018, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended December 31, 2017. A copy of the press release is attached hereto as Exhibit 99.1.</FONT></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 9.01. Financial Statements and Exhibits</FONT></B></P>
<P STYLE="text-align: left; text-indent: 15pt"><FONT size=2 face=Arial>(c) Exhibits</FONT></P>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=left><FONT size=2 face=Arial>Exhibit No.</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD NOWRAP STYLE="width: 93%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Exhibit</FONT></TD></TR>
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   <TD NOWRAP STYLE="width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 5%; text-align: left"><FONT size=2 face=Arial>99.1</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 93%; text-align: left"><FONT size=2 face=Arial>Earnings Press Release for period ended December 31, 2017.</FONT></TD></TR></TABLE><BR>


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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></P>
<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</FONT></P>
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   <TD width="100%" colSpan=3 noWrap align=left><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=3>&nbsp;</TD></TR>
<TR>
   <TD width="100%" colSpan=3>&nbsp;</TD></TR>

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   <TD width="3%" noWrap align=left><FONT size=2 face=Arial>By:</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="49%" noWrap align=left><FONT size=2 face=Arial>/s/ Michael D. Dowling</FONT></TD>
   <TD width="48%" noWrap align=left>&nbsp;</TD></TR>
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   <TD width="100%" colSpan=3 noWrap align=left><FONT size=2 face=Arial>Name:</FONT> <FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>
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   <TD width="100%" colSpan=3 noWrap align=left><FONT size=2 face=Arial>Title:</FONT> <FONT size=2 face=Arial>Chief Financial Officer</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>January 23, 2018</FONT></P>
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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>EXHIBIT INDEX</FONT></B></P>
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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=left><FONT size=2 face=Arial>Exhibit Number</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="94%" noWrap align=left><FONT size=2 face=Arial>Description</FONT></TD></TR>
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   <TD NOWRAP STYLE="width: 5%; text-align: left"><A HREF="southern3371081-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial><FONT size=2 face=Arial><FONT size=2 face=Arial>99.1</FONT></FONT></FONT></A></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 94%; text-align: left"><A HREF="southern3371081-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Earnings Press Release for the period ended December 31, 2017.</FONT></A></TD></TR></TABLE><BR>


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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>southern3371081-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR THE PERIOD ENDED DECEMBER 31, 2017
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<P STYLE="text-align: right"><B><FONT size=2 face=Arial>Exhibit 99.1</FONT></B></P>

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   <TD NOWRAP STYLE="width: 95%"><P STYLE="text-align: center"><FONT size=3 face=Arial><b>Southern First Reports Results for 2017&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b></FONT></P> </TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, January 23, 2018 </FONT></B><FONT size=2 face=Arial>&#8211; Southern First Bancshares, Inc. </FONT><B><FONT size=2 face=Arial>(NASDAQ: SFST)</FONT></B><FONT size=2 face=Arial>, holding company for Southern First Bank, today reported net income available to common shareholders of $2.1 million, or $0.27 per diluted share, for the fourth quarter of 2017. In comparison, net income available to common shareholders was $3.3 million, or $0.49 per diluted share, for the fourth quarter of 2016. For the year ended December 31, 2017, net income to common shareholders was $13.0 million, or $1.76 per diluted share, compared to net income to common shareholders of $13.0 million, or $1.94 per diluted share for the year ended December 31, 2016. Included in net income available to common shareholders for the 2017 periods, is $2.4 million<SUP>a</SUP>, or $0.32 per diluted share, of income tax expense related to the revaluation of our deferred tax asset as a result of the Tax Cuts and Jobs Act (&#8220;Tax Act&#8221;). Excluding the deferred tax adjustment, net income was $4.5 million and $15.5 million, or $0.59 and $2.10 per diluted share, for the three and twelve months ended December 31, 2017.</FONT></P>
<div style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>2017 Fourth Quarter Highlights</FONT></U></B></div>
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   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Net income to common shareholders of $2.1 million for Q4 2017, compared to $3.3 million for Q4 2016</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Total loans increased 19% to $1.39 billion at Q4 2017, compared to $1.16 billion at Q4 2016</FONT></B></P></TD></TR>
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   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Total deposits increased 27% to $1.38 billion at Q4 2017, compared to $1.09 billion at Q4 2016</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Efficiency ratio improved to 54.6% for Q4 2017, compared to 59.6% for Q4 2016</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Deferred tax asset adjustment of $2.44 million due to new federal corporate tax rate of 21%</FONT></B></P></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;I am proud of our Southern First team and our accomplishments in 2017 as we report record growth in both loans and deposits for the year,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer. &#8220;We have made tremendous progress in building client relationships and telling our story through our expansion to the Atlanta region and relocation of our Raleigh office to its permanent location. We are heading into the new year with significant momentum throughout our company.&#8221;</FONT></P>
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   <TD NOWRAP COLSPAN="9" STYLE="text-align: center; border-bottom: Black 1pt solid; border-top: Black 1.5pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>
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   <TD NOWRAP STYLE="width: 3%; text-align: center"><B><FONT size=2 face=Arial>September 30</FONT></B></TD>

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   <TD NOWRAP STYLE="width: 3%; text-align: center"><B><FONT size=2 face=Arial>June 30</FONT></B></TD>

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   <TD NOWRAP STYLE="width: 3%; text-align: center"><B><FONT size=2 face=Arial>March 31</FONT></B></TD>

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   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

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   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

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   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

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   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

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   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>

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   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Earnings </FONT></B><FONT size=2 face=Arial>($ in thousands, except per share data)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

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   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>2,080</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>4,250</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>3,604</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>3,112</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>3,291</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.27</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.55</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.49</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.46</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.49</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>15,789</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>15,851</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>14,915</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>13,658</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>13,423</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3.59<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3.60<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3.49<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3.61<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3.63<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.52<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1.09<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.97<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.92<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1.00<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5.50<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>11.60<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>10.92<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>11.27<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>12.14<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>54.61<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>55.55<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>58.75<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>61.21<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>59.64<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Balance Sheet </FONT></B><FONT size=2 face=Arial>($ in thousands)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total Loans<SUP>(5)</SUP></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,387,070</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,327,739</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,299,827</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,218,680</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,163,644</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1,381,123</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1,342,577</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1,297,911</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1,211,274</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1,091,151</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,221,363</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,160,906</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,085,687</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,001,069</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>937,492</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>1,624,625</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>1,557,684</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>1,539,226</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>1,467,938</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>1,340,908</FONT></TD></TR>

<TR vAlign=bottom>

   <TD NOWRAP STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Holding Company Capital Ratios</FONT></B><B><FONT size=2 face=Arial><SUP>(7)</SUP></FONT></B><B><FONT size=2 face=Arial>:</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total risk-based capital ratio</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>13.27<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>13.58<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>13.42<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>11.93<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>12.11<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>12.11<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>12.38<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>12.21<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>10.68<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>10.86<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>10.26<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>10.36<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>10.43<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>9.21<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>9.42<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>11.15<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>11.37<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>11.19<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>9.58<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>9.71<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tangible common equity<SUP>(9)</SUP></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.21<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.47<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.27<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7.74<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.19<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Asset Quality Ratios:</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Nonperforming assets as a percentage of total assets</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.46<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.39<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.37<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.47<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>0.46<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net charge-offs as a percentage of average loans<SUP>(5) </SUP>(YTD annualized)</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.10<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.08<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.07<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.02<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>0.10<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt; vertical-align: top"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of loans<SUP>(5)</SUP></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"></TD>

   <TD STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1.12<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1.17<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1.19<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1.25<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1.28<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of nonaccrual loans</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>212.60<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>278.05<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>293.75<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>247.43<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>270.95<FONT size=2 face=Arial>%</FONT></FONT></TD></TR></TABLE>
<div style="TEXT-ALIGN: left"><FONT size=1 face=Arial><SUP>a </SUP>Amount represents the estimated impact of the Tax Act, which may change as additional guidance and information become available.</FONT></div>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>1</FONT></P>

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<P style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>Operating Results</FONT></U></B><BR>
<FONT size=2 face=Arial>Net interest margin for the fourth quarter of 2017 was 3.59%, compared to 3.63% for the fourth quarter of 2016. During the fourth quarter of 2017, our average interest-earning assets increased by $262.6 million, compared to the fourth quarter of 2016, while the yield on our interest-earning assets remained stable. In comparison, our average interest-bearing liabilities increased by $176.1 million during the fourth quarter of 2017, compared to the fourth quarter of 2016, while the cost of these liabilities increased by seven basis points. The increase in the cost of our interest-bearing liabilities drove the four basis point decrease in the net interest margin for the 2017 period as compared to 2016.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $2.2 million and $2.1 million for the three months ended December 31, 2017 and 2016, respectively. For the year ended December 30, 2017 and 2016, noninterest income was $9.3 million and $10.8 million, respectively. The decrease in noninterest income during the twelve-month period ended December 31, 2017 relates primarily to a decrease in mortgage banking revenue during the 2017 periods, combined with a $431 thousand gain on sale of investment securities in the first quarter of 2016. Specifically, mortgage banking revenue was $1.1 million and $5.2 million for the three and twelve months ended December 31, 2017, respectively, and $1.2 million and $6.8 million for the three and twelve months ended December 31, 2016, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense was $8.6 million and $8.0 million for the three months ended December 31, 2017 and 2016, respectively, and $34.6 million and $31.2 million for the twelve months ended December 31, 2017 and 2016, respectively. The increase in noninterest expense during the three- and twelve-month periods ended December 31, 2017 relates primarily to increases in compensation and benefits, occupancy, and outside service and data processing costs, partially offset by a decrease in real estate owned expenses. Included in noninterest expense are mortgage banking expenses of $884 thousand and $3.7 million for the three and twelve months ended December 31, 2017, respectively, and $980 thousand and $4.5 million for the three and twelve months ended December 31, 2016, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the three months ended December 31, 2017, we recorded total credit costs of $690 thousand, including a $500 thousand provision for loan losses and $190 thousand of expenses related to the sale and management of other real estate owned. In addition, we had net charge-offs for the fourth quarter of 2017 of $556 thousand, or 0.17% of average loans, annualized. During the three months ended December 31, 2016, our total credit costs were $765 thousand, including a $275 thousand provision for loan losses and $490 thousand of expenses related to the sale and management of other real estate owned. Net loan recoveries for the fourth quarter of 2016 were $102 thousand. For the year ended December 31, 2017 and 2016, total credit costs were $2.2 million and $3.5 million, respectively. Our allowance for loan losses was $15.5 million, or 1.12% of loans, at December 31, 2017, which provides approximately 213% coverage of nonaccrual loans, compared to $14.9 million, or 1.28% of loans, and approximately 271% coverage of nonaccrual loans at December 31, 2016.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets were $7.5 million, or 0.46% of total assets, as of December 31, 2017. Comparatively, nonperforming assets were $6.1 million, or 0.46% of total assets, at December 31, 2016. Of the $7.5 million in total nonperforming assets as of December 31, 2017, nonperforming loans represent $7.3 million and other real estate owned represents $242 thousand. Classified assets improved to 10% of tier 1 capital plus the allowance for loan losses at December 31, 2017, compared to 13% at December 31, 2016.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Gross loans were $1.4 billion, excluding mortgage loans held for sale, as of December 31, 2017, compared to $1.2 billion at December 31, 2016. Core deposits, which exclude out-of-market deposits and time deposits of $250,000 or more, increased to $1.2 billion at December 31, 2017 compared to $937.5 million at December 31, 2016.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shareholders&#8217; equity totaled $149.7 million as of December 31, 2017, compared to $109.9 million at December 31, 2016. As of December 31, 2017, our capital ratios continue to exceed the regulatory requirements for a &#8220;well capitalized&#8221; institution.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>2</FONT></P>
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<TR vAlign=bottom>

   <TD COLSPAN="16" NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 100%; text-align: left"><B><FONT size=2 face=Arial>FINANCIAL HIGHLIGHTS - Unaudited</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=16>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD COLSPAN="4" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="3%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=2 face=Arial>4<SUP>th </SUP></FONT></B><B><FONT size=2 face=Arial>Qtr</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="3" NOWRAP STYLE="width: 7%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Twelve Months Ended</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>YTD</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="8%" colSpan=4 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=2 face=Arial>2017-2016</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="7%" colSpan=3 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="4%" colSpan=2 noWrap align=right><B><FONT size=2 face=Arial>2017-2016</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; width: 73%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>(in thousands, except per share data)</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>% Change</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>% Change</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 73%; text-align: left"><B><FONT size=2 face=Arial>Earnings Summary</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"><FONT size=2 face=Arial>Interest income</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16,364</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,447</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>21.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>61,209</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>51,191</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>19.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,756</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,148</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>28.3</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,333</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,192</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>26.1</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"><FONT size=2 face=Arial>Net interest income</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,608</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11,299</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>50,876</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>42,999</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18.3</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>275</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>81.8</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>2,000</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>2,300</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(13.0</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"><FONT size=2 face=Arial>Noninterest income</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,181</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,124</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,337</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10,846</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right>&nbsp;&nbsp;&nbsp;<FONT size=2 face=Arial>(13.9</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,623</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,006</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7.7</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>34,552</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>31,176</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10.8</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,666</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,142</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>29.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>23,661</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20,369</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16.2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,586</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,851</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>147.8</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,616</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,333</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>44.8</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 73%; text-align: left"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,080</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,291</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(36.8</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,045</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13,036</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.1</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>7,304</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>6,376</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>14.6</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>7,006</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>6,318</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>10.9</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 73%; text-align: left"><FONT size=2 face=Arial>Diluted weighted average common shares</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,697</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,776</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,393</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,721</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 73%; text-align: left"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>0.29</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>0.52</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(44.2</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1.86</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>2.06</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(9.7</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 73%; text-align: left"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.27</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.49</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(44.9</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1.76</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1.94</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(9.3</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)%</FONT></TD></TR></TABLE>

<BR>
<TABLE style="BORDER-COLLAPSE: collapse; LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD COLSPAN="4" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>4</FONT></B><B><FONT size=2 face=Arial><SUP>th </SUP></FONT></B><B><FONT size=2 face=Arial>Qtr</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD COLSPAN="5" NOWRAP STYLE="width: 11%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="8%" colSpan=4 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>2017-2016</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left"><FONT size=2 face=Arial>(in thousands, except per share data)</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>% Change</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><B><FONT size=2 face=Arial>Balance Sheet Highlights</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,624,625 </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,340,908</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>21.2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,557,684</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,539,226</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,467,938</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Investment securities</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>72,065</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>70,222</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>2.6</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>81,504</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>85,410</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>68,359</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11,790</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,801</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>51.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9,124</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11,480</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,452</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Loans</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,387,070 </FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,163,644</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>19.2</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,327,739</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,299,829</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,218,680</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Allowance for loan losses</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4.5</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,579</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,444</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,287</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>639</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(62.1</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>420</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>428</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>669</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Noninterest bearing deposits</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>295,680</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>235,538</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>25.5</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>272,758</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>271,669</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>253,320</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Interest bearing deposits</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,085,443</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>855,613</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>26.9</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,069,819</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,026,242</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>957,954</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Total deposits</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,381,123 </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,091,151</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>26.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,342,577</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,297,911</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,211,274</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Other borrowings</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>67,200</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>115,200</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(41.7</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>39,200</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>73,200</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>117,700</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Tangible common equity</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>149,686</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>109,872</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>36.2</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>147,449</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>142,736</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>113,566</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left"><FONT size=2 face=Arial>Total shareholders&#8217; equity</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>149,686</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>109,872</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>36.2</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>147,449</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>142,736</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>113,566</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Book value per common share</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.37</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17.00</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>19.8</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.15</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>19.52</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17.53</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Stock price:</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>High</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>42.90</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36.15</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37.45</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37.05</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37.20</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Low</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>36.75</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>26.00</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>41.3</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>33.50</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>31.75</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>32.30</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Period end</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>41.25</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36.00</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36.35</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37.05</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>32.65</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Common shares outstanding</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,348</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,464</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13.7</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,319</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,314</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,480</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><B><FONT size=2 face=Arial>Other</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Loans to deposits<SUP>(5)</SUP></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>100.43<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>106.64<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(5.8</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>98.89<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>100.15<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>100.61<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left"><FONT size=2 face=Arial>Team members</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>198</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>179</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10.6</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>198</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>199</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>184</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><B><FONT size=2 face=Arial>Average Balances</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,351,355 </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,134,613</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>19.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,314,061</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,250,077</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,206,088</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Deposits</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,369,547 </FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,062,634</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>28.9</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,328,481</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,263,844</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>1,119,043</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 75%; text-align: left"><FONT size=2 face=Arial>Assets</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,589,206 </FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,309,696</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>21.3</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,549,875</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,495,312</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,377,362</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 75%; text-align: left"><FONT size=2 face=Arial>Equity</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>149,928</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>107,832</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>39.0</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>145,294</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>132,380</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>111,966</FONT></TD></TR></TABLE>

<TABLE style="LINE-HEIGHT:normal;" cellSpacing=0 cellPadding=0 width="100%" border=0>
<TR vAlign=bottom>
     <TD width="100%" colSpan=2 noWrap align=left><FONT size=2 face=Arial></FONT><FONT size=2 face=Arial>Footnotes to tables:</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(1)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Total revenue is the sum of net interest income and noninterest income.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(2)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(3)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Annualized for the respective three month period.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(4)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Noninterest expense divided by the sum of net interest income and noninterest income.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(5)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Excludes mortgage loans held for sale.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(6)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Excludes out of market deposits and time deposits greater than $250,000.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(7)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>December 31, 2017 ratios are preliminary.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(8)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(9)</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.</FONT></TD></TR>
<TR vAlign=bottom>
     <TD width="1%" noWrap align=left><FONT size=1 face=Arial><FONT size=1 face=Arial>(10)&nbsp;</FONT></FONT></TD>
     <TD width="99%" noWrap align=left><FONT size=1 face=Arial>Includes loans held for sale.</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>



<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="12" NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 111%; text-align: left"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD COLSPAN="10" NOWRAP STYLE="width: 10%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left"><FONT size=2 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>244</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>245</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>266</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>276</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,581</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,049</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,205</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,514</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,711</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial business</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>910</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,116</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,324</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,616</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>686</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>992</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,267</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>534</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>541</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>550</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,145</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>195</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>197</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>257</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>256</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,673</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>730</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>749</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>979</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>990</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Total nonaccrual loans</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,302</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5,603</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5,258</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,178</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5,482</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>242</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>420</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>428</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>669</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>639</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,544</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,023</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,686</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,847</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,121</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.46&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.39&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.37&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.47&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.46&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total loans</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.54<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.45&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.44&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.56&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.53&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,145</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,954</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,010</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,795</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,675</FONT></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 74%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD style="WIDTH: 25%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=15 noWrap><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="5%" colSpan=3 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="4%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=2 face=Arial>March 31</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; border-bottom: black 1pt solid; text-align: left"><FONT size=2 face=Arial>(dollars in thousands)</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 5%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=3 noWrap><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 4%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=2 noWrap><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 4%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=2 noWrap><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 4%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=2 noWrap><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 4%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colSpan=2 noWrap><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 74%; text-align: left"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; text-align: left"><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$<FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,579</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,444</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,287</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14,478</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 74%; text-align: left"><FONT size=2 face=Arial>Loans charged-off</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(676</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(399</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(373</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(190</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(186</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; border-bottom: black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Recoveries of loans previously charged-off</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>120</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>34</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>30</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>122</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>288</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; background-color: #c0c0c0"><FONT size=2 face=Arial>Net loans charged-off</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(556</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(365</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(343</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>(68</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>102</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; border-bottom: black 1pt solid; text-align: left"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>500</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>500</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>500</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>500</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" noWrap><FONT size=2 face=Arial>275</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" noWrap></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; border-bottom: black 1pt solid; text-align: left; background-color: #c0c0c0"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>15,579</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>15,444</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>15,287</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD>

   <TD style="WIDTH: 3%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; BACKGROUND-COLOR: #c0c0c0" noWrap><FONT size=2 face=Arial>14,855</FONT></TD>

   <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; BACKGROUND-COLOR: #c0c0c0" noWrap></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; text-align: left; padding-left: -15pt"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.12<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.17<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.19<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.25&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.28</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>212.60&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;278.05<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;293.75<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>247.43&nbsp;%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>270.95</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 74%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net charge-offs to average loans QTD<SUP>&nbsp;(3)</SUP></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="width: 3%; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.17<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.11<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.11&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.02&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>(0.04</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="17" NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 101%; text-align: left"><B><FONT size=2 face=Arial>LOAN COMPOSITION</FONT></B></TD></TR>
<TR>
   <TD width="101%" colSpan=17>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left"></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD COLSPAN="15" NOWRAP STYLE="width: 25%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left"></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="5%" colSpan=3 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left"><FONT size=2 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 5%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>316,818</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>317,262</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>310,696</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>288,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>285,938</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>312,798</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>301,360</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>292,001</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>258,449</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>239,574</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt">
   <P><FONT size=2 face=Arial>Construction</FONT></P></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>51,179</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>32,332</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>42,447</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36,889</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>33,393</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>226,158</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>214,898</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>212,703</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>208,590</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>202,552</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>906,953</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>865,852</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>857,847</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>792,228</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>761,457</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>273,050</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>250,483</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>233,401</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>230,695</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>215,588</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>156,141</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>150,371</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>147,091</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>143,673</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>137,105</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>28,351</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>38,766</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>39,758</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>31,535</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>31,922</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,575</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,267</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>21,732</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>20,549</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>17,572</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>480,117</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>461,887</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>441,982</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>426,452</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>402,187</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right"><FONT size=2 face=Arial>1,387,070</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right"><FONT size=2 face=Arial>1,327,739</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right"><FONT size=2 face=Arial>1,299,829</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right"><FONT size=2 face=Arial>1,218,680</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right"><FONT size=2 face=Arial>1,163,644</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Less&#8212;allowance for loan losses</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,523</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,579</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,444</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,287</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(14,855</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 75%; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total loans, net</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,371,547</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,312,160</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,284,385</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,203,393</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,148,789</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>



<TABLE style="BORDER-COLLAPSE: collapse; LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="12" NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 100%; text-align: left"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=12>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="10" NOWRAP STYLE="width: 20%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left"></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=right><B><FONT size=2 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=right><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="3%" noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left"><FONT size=2 face=Arial>(dollars in thousands)</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 79%; text-align: left"><FONT size=2 face=Arial>Non-interest bearing</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>$<FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>295,680</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>272,758</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>271,669</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>253,320</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>235,538</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 79%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>229,945</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>209,607</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>226,724</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>228,640</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>234,949</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>545,029</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>533,575</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>452,385</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>391,923</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>345,117</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 79%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Savings</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>16,298</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>15,659</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>15,345</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>15,688</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="3%" noWrap align=right><FONT size=2 face=Arial>14,942</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>55,461</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>54,133</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>51,328</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>49,367</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>48,638</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Time and out-of-market deposits, $100,000 and over</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>238,710</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>256,845</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>280,460</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>272,336</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 3%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>211,967</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total deposits</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,381,123</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,342,577</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,297,911</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,211,274</FONT></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="width: 3%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,091,151</FONT></TD></TR></TABLE>
<BR>
<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="border-collapse: collapse; line-height: 14pt; width: 100%">



<TR vAlign=bottom>

   <TD COLSPAN="16" NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><B><FONT size=2 face=Arial>NONINTEREST INCOME &amp; EXPENSE - Unaudited</FONT></B></TD></TR>

<TR>

   <TD COLSPAN="16">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 72%; text-align: left"></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: right"></TD>

   <TD COLSPAN="4" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="width: 4%; text-align: center"><B><FONT size=2 face=Arial>4</FONT></B><B><FONT size=2 face=Arial><SUP>th </SUP></FONT></B><B><FONT size=2 face=Arial>Qtr</FONT></B></TD>

   <TD NOWRAP STYLE="width: 1%; text-align: left"></TD>

   <TD COLSPAN="6" NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD COLSPAN="4" NOWRAP STYLE="text-align: center"><B><FONT size=2 face=Arial>December 31</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="text-align: center"><B><FONT size=2 face=Arial>2017-2016</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><B><FONT size=2 face=Arial>September 30</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="text-align: center"><B><FONT size=2 face=Arial>June 30</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: center"><B><FONT size=2 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>(dollars in thousands)</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2016</FONT></B></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>

   <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>% Change</FONT></B></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center"><B><FONT size=2 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Mortgage banking income</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>$<FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,089</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,152</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>(5.5</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,403</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,603</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,057</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>283</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>269</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5.2</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>324</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>284</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>278</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>220</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>183</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>20.2</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>224</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>183</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>183</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Gain on sale of investment securities</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>3</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>1</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Loss on disposal of fixed assets</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>(50</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Other income</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>586</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>520</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>12.7</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>591</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>542</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>533</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>2,181</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>2,124</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>2.7</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>2,542</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>2,563</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;2,051</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest income to average assets <SUP>(3)</SUP></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.54&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.65&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>(16.9</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.65<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.68<FONT size=2 face=Arial>&nbsp;%</FONT></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>0.59 %</FONT></TD>

   </TR>

<TR STYLE="background-color: White">
   <TD STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
   <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
   </TR>
<TR vAlign=bottom>

   <TD STYLE="text-align: left"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: right"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Compensation and benefits</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5,295</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>4,616</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>14.7</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5,698</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5,525</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>5,273</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Occupancy</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,079</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>912</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>18.3</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,043</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>1,033</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>967</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Other real estate owned expenses</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>190</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>490</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>(61.2</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>28</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>(3</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>13</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Data processing and related costs</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>796</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>738</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>7.9</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>794</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>823</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>745</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Insurance</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>301</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>284</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>6.0</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>258</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>297</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>289</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Professional fees</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>333</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>344</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>(3.2</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>334</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>382</FONT></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: left"></TD>

   <TD NOWRAP STYLE="text-align: right"><FONT size=2 face=Arial>313</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>Marketing</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>131</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>181</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>(27.6</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>199</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>196</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; text-align: right"><FONT size=2 face=Arial>210</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>498</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>441</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>12.9</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>452</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>510</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>550</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>8,623</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>8,006</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>7.7</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>8,806</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>8,763</FONT></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="background-color: #c0c0c0; border-bottom: Black 1pt solid; text-align: right"><FONT size=2 face=Arial>8,360</FONT></TD>

   </TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest expense to average assets <SUP>(3)</SUP></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>2.15&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>2.43&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>(11.5</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>2.25&nbsp;<FONT size=2 face=Arial><FONT size=2 face=Arial>%</FONT></FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial><FONT size=2 face=Arial></FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>2.32&nbsp;<FONT size=2 face=Arial>%</FONT></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD NOWRAP STYLE="border-bottom: Black 1.5pt solid; text-align: right"><FONT size=2 face=Arial>2.41 %</FONT></TD>

   </TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="11" NOWRAP STYLE="border-bottom: Black 1.5pt solid; width: 100%; text-align: left"><B><FONT size=2 face=Arial>AVERAGE YIELD/RATE</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=11>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="9" NOWRAP STYLE="width: 9%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center"></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"></TD>
   <TD width="1%" noWrap align=right><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2016</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Yield/Rate</FONT></B><B><FONT size=2 face=Arial><SUP>(3)</SUP></FONT></B></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: center; border-bottom: Black 1pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><B><FONT size=2 face=Arial>Interest-earning assets</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.29<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.31<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.10<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.78<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.56<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Investment securities, taxable</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.95<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.05<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.02<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.06<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.88<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"><FONT size=2 face=Arial>Investment securities, nontaxable</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.91<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.67<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.94<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.04<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.95<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.59<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.59<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.55<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.52<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.53<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-earning assets</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.21<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.34<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><B><FONT size=2 face=Arial>Interest-bearing liabilities</FONT></B></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"><FONT size=2 face=Arial>NOW accounts</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.16<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.18<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.19<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.18<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.15<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Savings &amp; money market</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.90<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.84<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.74<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.58<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.46<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left"><FONT size=2 face=Arial>Time deposits</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.21<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.08<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.99<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.89<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.84<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-bearing deposits</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.84<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.78<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.70<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.58<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>0.50<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 100%; text-align: left"><FONT size=2 face=Arial>FHLB advances and other borrowings</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.36<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.50<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.87<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.28<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.44<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.49<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.43<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.32<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.15<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="background-color: #c0c0c0; width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.03<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 100%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-bearing liabilities</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.96<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.93<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.95<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.94<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.89<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: #c0c0c0; width: 100%; text-align: left"><FONT size=2 face=Arial>Net interest spread</FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.35<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.38<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.26<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.40<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>
   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.42<FONT size=2 face=Arial>%</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.59<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.60<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.49<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.61<FONT size=2 face=Arial>%</FONT></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.63<FONT size=2 face=Arial>%</FONT></FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></p>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>ABOUT SOUTHERN FIRST BANCSHARES</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated under the laws of South Carolina. The Company&#8217;s wholly-owned subsidiary, Southern First Bank, is the third largest bank headquartered in South Carolina. Southern First Bancshares has been providing financial services since 1999 and now operates in 11 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as Raleigh, North Carolina and Atlanta, Georgia. Southern First Bancshares has consolidated assets of approximately $1.6 billion and its common stock is traded in the NASDAQ Global Market under the symbol &#8220;SFST.&#8221; More information can be found at </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT><FONT size=2 face=Arial>.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>FORWARD-LOOKING STATEMENTS</FONT></B></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Certain statements in this news release contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans and expectations, and are thus prospective. Such forward-looking statements are identified by words such as &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;estimates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;targets,&#8221; and &#8220;projects,&#8221; as well as similar expressions. Such statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Although we believe that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate. Therefore, we can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking information should not be construed as a representation by our company or any person that the future events, plans, or expectations contemplated by our company will be achieved.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: (1) competitive pressures among depository and other financial institutions may increase significantly and have an effect on pricing, spending, third-party relationships and revenues; (2) the strength of the United States economy in general and the strength of the local economies in which we conduct operations may be different than expected resulting in, among other things, a deterioration in the credit quality or a reduced demand for credit, including the resultant effect on the company&#8217;s loan portfolio and allowance for loan losses; (3) the rate of delinquencies and amounts of charge-offs, the level of allowance for loan loss, the rates of loan growth, or adverse changes in asset quality in our loan portfolio, which may result in increased credit risk-related losses and expenses; (4) changes in the United States legal and regulatory framework; and (5) adverse conditions in the stock market, the public debt market and other capital markets (including changes in interest rate conditions) could have a negative impact on the company. Additional factors that could cause our results to differ materially from those described in the forward-looking statements can be found in our reports (such as Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the SEC and available at the SEC&#8217;s Internet site (http://www.sec.gov). All subsequent written and oral forward-looking statements concerning the company or any person acting on its behalf is expressly qualified in its entirety by the cautionary statements above. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.</FONT></P>

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   <TD STYLE="border-top: Black 1pt dashed; width: 100%">&nbsp;&nbsp;</TD></TR></TABLE>
<div style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>FINANCIAL CONTACT: MIKE DOWLING </FONT><FONT size=1 face=Arial>864-679-9070 </FONT></div>
<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>MEDIA CONTACT: ART SEAVER 864-679-9010 </FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>WEB SITE: </FONT><FONT size=1 face=Arial>www.southernfirst.com</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></p>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
