<SEC-DOCUMENT>0001206774-18-001319.txt : 20180424
<SEC-HEADER>0001206774-18-001319.hdr.sgml : 20180424
<ACCEPTANCE-DATETIME>20180424090018
ACCESSION NUMBER:		0001206774-18-001319
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20180424
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180424
DATE AS OF CHANGE:		20180424

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:		18770280

	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>sfst3411211-8k.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;April 24, 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>(864) 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>
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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>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>
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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 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 April 24, 2018, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2018. 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 STYLE="white-space: nowrap; width: 5%; text-align: left"><FONT size=2 face=Arial>99.1</FONT></TD>
   <TD STYLE="white-space: nowrap; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD STYLE="white-space: nowrap; width: 93%; text-align: left"><FONT size=2 face=Arial>Earnings Press Release for period ended March 31, 2018.</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>April 24, 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="sfst3411211-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>99.1</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="sfst3411211-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Earnings Press Release for the period ended March 31, 2018.</FONT></A></TD></TR></TABLE><BR>


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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfst3411211-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR PERIOD ENDED MARCH 31, 2018
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<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>
<IMG border=0 src="sfst3411211-ex991x1x1.jpg"> <BR>
<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>Southern First Reports Results for First Quarter of 2018</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, April 24, 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 $5.2 million, or $0.67 per diluted share, for the first quarter of 2018. In comparison, net income available to common shareholders was $3.1 million, or $0.46 per diluted share, for the first quarter of 2017.</FONT></P>
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   <TD width="100%" noWrap align=left><B><U><FONT size=2 face=Arial>2018 First Quarter Highlights</FONT></U></B></TD></TR></TABLE>

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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%"><B><FONT size=2 face=Arial>Net income to common shareholders increased 68% to $5.2 million for Q1 2018 compared to $3.1 million for Q1 2017</FONT></B></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%"><B><FONT size=2 face=Arial>Total loans increased 20% to $1.46 billion at Q1 2018, compared to $1.22 billion at Q1 2017</FONT></B></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%"><B><FONT size=2 face=Arial>Total deposits increased 26% to $1.52 billion at Q1 2018, compared to
   $1.21 billion at Q1 2017</FONT></B></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%"><B><FONT size=2 face=Arial>Efficiency ratio improved to 55.9% for Q1 2018, compared to 61.2% for
   Q1 2017</FONT></B></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%"><B><FONT size=2 face=Arial>Added banking talent in Raleigh, Columbia, and Atlanta markets</FONT></B></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%"><B><FONT size=2 face=Arial>Entering the Greensboro/Triad region of North Carolina with a team of three new bankers</FONT></B></TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;The first quarter of 2018 was simply outstanding as the Southern First team generated record earnings of $5.2 million. Our performance was highlighted by strong growth in new client relationships and retail deposits as well as excellent production by our mortgage team,&#8221; stated Art Seaver, the Company&#8217;s Chief Executive Officer. &#8220;We continue to add experienced bankers to our team, and we are excited to announce our expansion into the Greensboro, North Carolina market.&#8221;</FONT></P>
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   <TD STYLE="border-top: Black 1.5pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
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   <TD COLSPAN="15" NOWRAP STYLE="width: 20%; text-align: center; border-top: Black 1.5pt solid; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Quarter Ended</FONT></B></TD></TR>
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   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=2 face=Arial>March 31</FONT></B></TD></TR>
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   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
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   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; 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>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,214</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,080</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,250</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3,604</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3,112</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.67</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.27</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.55</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.49</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.46</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>16,462</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,789</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,851</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14,915</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,658</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.63</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.59</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.60</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.49</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.61</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" 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>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.52</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.09</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.97</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.92</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.88</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.60</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.92</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; 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-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>55.92</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>54.61</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>55.55</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>58.75</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>61.21</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 STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total Loans<SUP>(5)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,459,382</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;1,387,070</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;1,327,739</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,299,827</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,218,680</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,520,523</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,381,123</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,342,577</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,297,911</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,211,274</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,276,523</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,221,363</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,160,906</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,085,687</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,001,069</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,729,299</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,624,625</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,557,684</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,539,226</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,467,938</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total risk-based capital ratio</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.01</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.58</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.93</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.90</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>12.11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>12.38</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>12.21</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.68</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.26</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.36</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9.21</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.15</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9.58</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.95</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.21</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.47</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.27</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7.74</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 STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Asset Quality Ratios:</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.46</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.39</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.47</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.10</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.08</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.07</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.02</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of loans<SUP>(5)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.09</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.12</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.17</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.25</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; 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-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>217.92</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>212.60</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>278.05</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>293.75</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>247.43</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>1</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>Operating Results<BR></FONT></U></B><FONT size=2 face=Arial>Net interest margin for the first quarter of 2018 was 3.63%, compared to 3.59% for the prior quarter and 3.61% for the first quarter of 2017. During the first quarter of 2018, our average interest-earning assets increased by $259.0 million, compared to the first quarter of 2017, while the yield on our interest-earning assets increased by ten basis points. In comparison, our average interest-bearing liabilities increased by $182.2 million during the first quarter of 2018, compared to the first quarter of 2017, with the respective cost increasing by twelve basis points.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $2.4 million and $2.1 million for the three months ended March 31, 2018 and 2017, respectively. The increase in noninterest income during the three-month period ended March 31, 2018 relates primarily to an increase in mortgage banking revenue during the first quarter of 2018 as well as increases in income derived from bank owned life insurance and ATM/debit card income which is included in other income. Specifically, mortgage banking revenue was $1.3 million and $1.1 million for the three months ended March 31, 2018 and 2017, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense was $9.2 million and $8.4 million for the three months ended March 31, 2018 and 2017, respectively. The increase in noninterest expense during the three-month period ended March 31, 2018 relates primarily to increases in compensation and benefits, occupancy, and professional fees, partially offset by a decrease in other noninterest expenses. Included in noninterest expense are mortgage banking expenses of $964 thousand and $849 thousand for the three months ended March 31, 2018 and 2017, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the first quarter of 2018, we recorded total credit costs of $506 thousand, including a $500 thousand provision for loan losses and $6 thousand of expenses related to the sale and management of other real estate owned. In addition, we had net charge-offs for the first quarter of 2018 of $171 thousand, or 0.05% of average loans, annualized. During the first quarter of 2017, our total credit costs were $513 thousand, including a $500 thousand provision for loan losses and $13 thousand of expenses related to the sale and management of other real estate owned. Net loan charge-offs for the first quarter of 2017 were $68 thousand, or 0.02% of average loans on an annual basis. Our allowance for loan losses was $15.9 million, or 1.09% of loans, at March 31, 2018 which provides approximately 218% coverage of nonaccrual loans, compared to $15.3 million, or 1.25% of loans, and approximately 247% coverage of nonaccrual loans at March 31, 2017.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets were $7.5 million, or 0.43% of total assets, as of March 31, 2018. Comparatively, nonperforming assets were $6.8 million, or 0.47% of total assets, at March 31, 2017. Of the $7.5 million in total nonperforming assets as of March 31, 2018, nonperforming loans represent $7.3 million and other real estate owned represents $242 thousand. Classified assets improved to 9% of tier 1 capital plus the allowance for loan losses at March 31, 2018, compared to 12% at March 31, 2017.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Gross loans were $1.5 billion, excluding mortgage loans held for sale, as of March 31, 2018, compared to $1.2 billion at March 31, 2017. Core deposits, which exclude out-of-market deposits and time deposits of $250,000 or more, increased to $1.3 billion at March 31, 2018 compared to $1.0 billion at March 31, 2017.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shareholders&#8217; equity totaled $154.7 million as of March 31, 2018, compared to $149.7 million at December 31, 2017, and $113.6 million at March 31, 2017. As of March 31, 2018, 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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<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 style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>FINANCIAL HIGHLIGHTS - Unaudited</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="4" NOWRAP STYLE="width: 6%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center"><B><FONT size=1 face=Arial>1st Qtr</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="5" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="6%" colSpan=4 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>% Change</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Earnings Summary</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest income</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>17,178</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,959</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>23.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>16,364</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,955</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14,931</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Interest expense</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,136</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,352</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>33.3</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,756</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,646</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,579</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14,042</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11,607</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>21.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,608</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,309</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>12,352</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest income</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,420</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,051</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>18.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,181</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,542</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,563</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,205</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,360</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10.1</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,623</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,806</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,763</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,757</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4,798</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>40.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,666</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,545</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,652</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Income tax expense</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,543</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,686</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(8.5</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,586</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,295</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,048</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><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: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,214</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,112</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;67.5</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,080</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,250</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,604</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,337</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,437</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,304</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,282</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,987</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Diluted weighted average common shares</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,727</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6,830</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,697</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,668</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,366</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.71</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.48</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>47.9</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.29</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.58</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.52</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.67</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.46</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>45.7</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.27</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.55</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.49</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 STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="6" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>1st Qtr</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="8" NOWRAP STYLE="width: 11%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="8%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>% Change</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Balance Sheet Highlights</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Assets</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,729,299</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,467,938</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,624,625</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,557,684</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,539,226</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Investment securities</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>61,562</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>68,359</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(9.9</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>72,065</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>81,504</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>85,410</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10,885</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,452</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>46.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11,790</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>11,480</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,459,382</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,218,680</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,387,070</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,327,739</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,299,829</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,852</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,287</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.7</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,579</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,444</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>669</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;(63.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>420</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>428</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest bearing deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>297,892</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>253,320</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>295,680</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>272,758</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>271,669</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest bearing deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,222,631</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>957,954</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,085,443</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,069,819</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,026,242</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,520,523</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,211,274</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,381,123</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,342,577</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,297,911</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other borrowings</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>28,600</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>117,700</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(75.7</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>67,200</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>39,200</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>73,200</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tangible common equity</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>154,739</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>113,566</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>36.3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>149,686</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>147,449</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>142,736</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total shareholders&#8217; equity</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>154,739</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>113,566</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>36.3</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Book value per common share</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" 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="2%" noWrap align=right><FONT size=2 face=Arial>20.96</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>17.53</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" 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>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>20.37</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>20.15</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>19.52</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Stock price:</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>High</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>46.55</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>37.20</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>42.90</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>37.45</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>37.05</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Low</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>41.00</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>32.30</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26.9</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>36.75</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>33.50</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>31.75</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Period end</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>44.50</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>32.65</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>36.3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>41.25</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>36.35</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>37.05</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Common shares outstanding</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,382</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,480</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13.9</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,348</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,319</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,314</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Other</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans to deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>95.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>100.61</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(4.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>100.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>98.89</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>100.15</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Team members</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>211</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>184</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>14.7</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Average Balances </FONT></B><FONT size=2 face=Arial>($ in thousands)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" 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="2%" noWrap align=right><FONT size=2 face=Arial>1,444,343</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,206,088</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" 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 style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,351,355</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,314,061</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,250,077</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,431,967</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,119,043</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28.0</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,369,547</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,328,481</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,263,844</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Assets</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,645,846</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,377,362</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19.5</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,589,206</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,549,875</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,495,312</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Equity</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>152,374</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>111,966</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>36.1</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>149,928</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>145,294</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>132,380</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Footnotes to tables:<BR></FONT><FONT size=1 face=Arial>(1) Total revenue is the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(2) 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.<BR>(3) Annualized for the respective three month period.<BR></FONT><FONT size=1 face=Arial>(4) Noninterest expense divided by the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(5) Excludes mortgage loans held for sale.<BR></FONT><FONT size=1 face=Arial>(6) Excludes out of market deposits and time deposits greater than $250,000.<BR>
(7) March 31, 2018 ratios are preliminary.<BR></FONT><FONT size=1 face=Arial>(8) The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.<BR>(9) The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.<BR>(10) Annualized for the respective three month period.<BR></FONT><FONT size=1 face=Arial>(11) Includes loans held for sale.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>
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<TR vAlign=bottom>
   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</FONT></B></TD></TR></TABLE>
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<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="15" NOWRAP STYLE="width: 20%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="4%" colSpan=3 align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><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="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>244</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>245</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>266</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,581</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,049</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,205</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,514</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Commercial business</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>102</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>910</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,116</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,324</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,616</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,091</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>992</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,267</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>534</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>541</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,730</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,145</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>195</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>197</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>257</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,826</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,673</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>730</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>749</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>979</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total nonaccrual loans</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,274</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,302</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,603</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,258</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;6,178</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>242</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>242</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>420</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>428</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>669</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><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: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,516</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,544</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,023</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;5,686</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,847</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.46</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.39</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.47</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total loans</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.52</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.54</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.45</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.44</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.56</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><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: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,649</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,145</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,954</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,010</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,795</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD COLSPAN="15" NOWRAP STYLE="width: 20%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,523</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,579</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,444</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,287</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>14,855</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans charged-off</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(293</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(676</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(399</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(373</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(190</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Recoveries of loans previously charged-off</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>122</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>120</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>34</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>30</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>122</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Net loans charged-off</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(171</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(556</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(365</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(343</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(68</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><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: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,852</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.09</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.12</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.17</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.25</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; 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="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>217.92</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>212.60</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>278.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>293.75</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>247.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net charge-offs to average loans QTD (annualized)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.05</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.17</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.11</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.11</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.02</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</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 style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>LOAN COMPOSITION</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD COLSPAN="15" NOWRAP STYLE="width: 20%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" 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="2%" noWrap align=right><FONT size=2 face=Arial>339,444</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>316,818</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>317,262</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>310,696</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>288,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>339,231</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>312,798</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>301,360</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>292,001</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>258,449</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>56,210</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>51,179</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>32,332</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>42,447</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>36,889</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Business</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>234,820</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>226,158</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>214,898</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>212,703</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>208,590</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>969,705</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>275,731</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>273,050</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>250,483</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>233,401</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>230,695</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>155,507</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>156,141</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>150,371</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>147,091</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>143,673</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>35,017</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>28,351</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>38,766</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>39,758</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>31,535</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>23,422</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,575</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>22,267</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>21,732</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>20,549</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>489,677</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; 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></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,459,382</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,387,070</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,327,739</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,299,829</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,218,680</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 79%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,852</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; 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></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 79%; text-align: left; padding-left: 45pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total loans, net</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><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: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,443,530</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,371,547</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,312,160</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,284,385</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,203,393</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>
<BR>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<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 style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial><B><FONT size=1 face=Arial><B><FONT size=1 face=Arial><B><FONT size=1 face=Arial><B><FONT size=1 face=Arial></FONT></B></FONT></B></FONT></B></FONT></B></FONT></B></TD>
   <TD COLSPAN="10" NOWRAP STYLE="width: 15%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-interest bearing</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>297,892</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>295,680</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>272,758</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>271,669</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>253,320</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>243,418</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>229,945</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>209,607</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>226,724</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>228,640</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>642,333</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>545,029</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>533,575</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>452,385</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>391,923</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Savings</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,952</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>16,298</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,659</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,345</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,688</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>56,778</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>55,461</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>54,133</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>51,328</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>49,367</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; 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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>264,150</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>238,710</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>256,845</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>280,460</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>272,336</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left; padding-left: 30pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,520,523</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,381,123</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,342,577</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,297,911</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,211,274</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 style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>NONINTEREST INCOME &amp; EXPENSE - Unaudited</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD COLSPAN="6" NOWRAP STYLE="width: 8%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>1st Qtr</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="8" NOWRAP STYLE="width: 11%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD width="8%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></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=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right; padding-left: 0pt">&nbsp; </TD>
   <TD COLSPAN="3" NOWRAP STYLE="width: 4%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>% Change</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Mortgage banking income</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,328</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,057</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>25.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,089</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;1,603</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>257</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>278</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(7.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>283</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>324</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>284</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>220</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>183</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>20.2</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>220</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>224</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>183</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Gain on sale of investment securities</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>n/m</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other income</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>616</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>533</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15.6</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>586</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>591</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>492</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><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: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,420</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,051</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>18.0</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,181</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,542</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,563</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Noninterest income to average assets<SUP>(3)</SUP></FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.60</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.60</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; 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"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.54</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.65</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.69</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial></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="2%" noWrap align=right><FONT size=2 face=Arial></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="2%" 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="2%" noWrap align=right><FONT size=2 face=Arial></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="2%" noWrap align=right><FONT size=2 face=Arial></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="2%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Compensation and benefits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,843</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;5,273</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>10.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,295</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,698</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>5,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Occupancy</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,137</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>967</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>17.6</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,079</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,043</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,033</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other real estate owned expenses</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>6</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>13</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;(53.8</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>190</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>28</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Data processing and related costs</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>736</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>745</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(1.2</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>796</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>794</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>823</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Insurance</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>313</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>289</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>8.3</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>301</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>258</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>297</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Professional fees</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>476</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>313</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>52.1</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>333</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>334</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>382</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Marketing</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>209</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>210</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>(0.5</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>131</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>199</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>196</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>485</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>550</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(11.8</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>498</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>452</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>510</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 75%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><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: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,205</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,360</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10.1</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,623</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,806</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,763</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 75%; 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-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: right; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.27</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.46</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(7.7</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.15</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.25</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.35</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</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 style="BORDER-BOTTOM: #000000 1.5pt solid" width="100%" noWrap align=left><B><FONT size=2 face=Arial>AVERAGE YIELD/RATE - Unaudited</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD COLSPAN="14" NOWRAP STYLE="width: 19%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: center"></TD>
   <TD COLSPAN="2" NOWRAP STYLE="width: 3%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 15pt; text-indent: -15pt"></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"></TD>
   <TD COLSPAN="14" NOWRAP STYLE="width: 19%; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Yield/Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(10)</SUP></FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Interest-earning assets</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.62</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.29</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.31</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.10</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Investment securities, taxable</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;2.18</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.95</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;2.02</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;2.06</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Investment securities, nontaxable</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.91</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.67</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.94</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>4.04</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans<SUP>(11)</SUP></FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.65</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.59</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.59</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.55</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.52</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 STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-earning assets</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.44</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.21</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.34</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 STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Interest-bearing liabilities</FONT></B></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left></TD>
   <TD width="2%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.15</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.16</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.18</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.18</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Savings &amp; money market</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1.07</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.90</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.84</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.74</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.58</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Time deposits</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.38</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.21</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.08</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.99</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.89</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 STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-bearing deposits</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.97</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.84</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.70</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.58</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>FHLB advances and other borrowings</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.25</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.36</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.87</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.28</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.48</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.49</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.43</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.32</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.15</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 STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; border-bottom: Black 1pt solid; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-bearing liabilities</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.06</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.96</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.93</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.95</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="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.94</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 STYLE="vertical-align: bottom; background-color: Silver">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest spread</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.38</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.35</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.38</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.26</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>3.40</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD NOWRAP STYLE="width: 80%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: right"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.63</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.59</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.60</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.49</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD>
   <TD NOWRAP STYLE="border-top-style: none; border-top-width: medium; border-right-style: none; border-right-width: medium; border-bottom: Black 1.5pt solid; border-left-style: none; border-left-width: medium; width: 1%; text-align: left"><FONT size=2 face=Arial></FONT></TD>
   <TD NOWRAP STYLE="width: 2%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.61</FONT></TD>
   <TD NOWRAP STYLE="width: 1%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;%</FONT></TD></TR></TABLE>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>
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<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 12 locations in the </FONT><FONT size=2 face=Arial>Greenville, Columbia, and Charleston markets of South Carolina as well as Raleigh, North Carolina and Atlanta, Georgia. Southern First Bancshares has assets of approximately $1.7 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>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD style="BORDER-TOP: #000000 1px dashed" width="100%" noWrap align=left><FONT size=1 face=Arial>&nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=1 face=Arial>FINANCIAL CONTACT: MIKE DOWLING 864-679-9070</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=1 face=Arial>MEDIA CONTACT: ART SEAVER 864-679-9010</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=1 face=Arial>WEB SITE: </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
