<SEC-DOCUMENT>0001206774-18-002963.txt : 20181023
<SEC-HEADER>0001206774-18-002963.hdr.sgml : 20181023
<ACCEPTANCE-DATETIME>20181023090025
ACCESSION NUMBER:		0001206774-18-002963
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20181023
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20181023
DATE AS OF CHANGE:		20181023

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:		181133317

	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>sfb3459821-8k.htm
<DESCRIPTION>CURRENT REPORT
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<P align=center>&nbsp;<B><FONT size=4 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=4 face=Arial>FORM 8-K</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=3 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 style="WIDTH: 27%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;October 23, 2018
&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE></DIV>

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   <TD STYLE="border-bottom: #000000 1pt solid; width: 100%; text-align: center; padding-bottom: 2pt"><B><FONT size=5 face=Arial>Southern First Bancshares, Inc.</FONT></B></TD></TR>

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   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(Exact name of registrant as specified in its charter)</FONT></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><BR>

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   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 10%; BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>000-27719</FONT></B></TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 10%; BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>58-2459561</FONT></B></TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

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   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>(Commission File Number)</FONT></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>(IRS Employer Identification No.)</FONT></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD></TR>

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   <TD colSpan=6>&nbsp;</TD></TR>

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   <TD style="TEXT-ALIGN: center" noWrap><B><U><FONT size=2 face=Arial></FONT></U></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>100 Verdae Boulevard, Suite 100, Greenville, SC</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><B><U><FONT size=2 face=Arial></FONT></U></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>29607</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD></TR>

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   <TD style="TEXT-ALIGN: center" colSpan=3 noWrap><FONT size=2 face=Arial>(Address of principal executive offices)</FONT></TD>

   <TD style="TEXT-ALIGN: center" colSpan=3 noWrap><FONT size=2 face=Arial>(Zip Code)</FONT></TD></TR></TABLE><BR>

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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: justify"><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>

<TR style="VERTICAL-ALIGN: bottom">

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   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&#9744;</FONT></TD>

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="TEXT-ALIGN: left" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: left" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: left" noWrap>&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 style="TEXT-ALIGN: left" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: left" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: left" noWrap>&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: justify"><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: justify"><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: justify"><B><FONT size=2 face=Arial>ITEM 2.02. Results of Operations and Financial Condition</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On October 23, 2018, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing
its financial results for the period ended September 30, 2018. A copy of the press release is attached hereto as Exhibit 99.1.</FONT></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>ITEM 9.01. Financial Statements and Exhibits</FONT></B></P>

<P STYLE="text-align: justify; text-indent: 15pt"><FONT size=2 face=Arial>(c) Exhibits</FONT></P>

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   <TD STYLE="border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Exhibit No.</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>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

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

   <TD width="96%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

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   <TD STYLE="border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>99.1</FONT></TD>

   <TD STYLE="border-style: none; border-width: medium; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 97%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Earnings Press Release for period ended September 30, 2018.
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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></P>

<P style="TEXT-ALIGN: justify"><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 COLSPAN="3" STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD></TR>

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    <TD STYLE="width: 1%"><FONT size=2 face=Arial>By:</FONT></TD>
   <TD COLSPAN="2" STYLE="border-style: none; border-width: medium; white-space: nowrap; text-align: left"><FONT size=2 face=Arial><FONT STYLE="width: 1%; border-bottom: Black 1pt solid" size=2 face=Arial>&nbsp; /s/ Michael D. Dowling</FONT></FONT></TD></TR>

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    <TD STYLE="width: 1%"><FONT size=2 face=Arial>Name:</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Michael D. Dowling</FONT></TD></TR>

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    <TD STYLE="width: 1%"><FONT size=2 face=Arial>Title:</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>October 23, 2018
</FONT></P>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>EXHIBIT INDEX</FONT></B></P>

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   <TD style="WIDTH: 3%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 1pt solid; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><FONT size=2 face=Arial>Exhibit Number</FONT></TD>

   <TD style="WIDTH: 1%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 96%; PADDING-BOTTOM: 2pt; TEXT-ALIGN: left" noWrap><FONT style="BORDER-BOTTOM: black 1pt solid; PADDING-BOTTOM: 1pt" size=2 face=Arial>Description</FONT></TD></TR>

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   <TD STYLE="white-space: nowrap; width: 3%; vertical-align: top; text-align: left; padding-top: 2pt"><A HREF="sfb3459821-ex991.htm" STYLE="-sec-extract: exhibit">
   <FONT size=2 face=Arial>99.1</FONT></A></TD>

   <TD STYLE="white-space: nowrap; width: 1%; vertical-align: top; text-align: left; padding-top: 2pt"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 96%; vertical-align: top; text-align: justify; padding-top: 2pt"><A HREF="sfb3459821-ex991.htm" STYLE="-sec-extract: exhibit">
   <FONT size=2 face=Arial>Earnings Press Release for the period ended September 30, 2018.</FONT></A></TD></TR></TABLE><BR>

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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb3459821-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR THE PERIOD ENDED SEPTEMBER 30, 2018
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<P style="TEXT-ALIGN: right"><B><FONT size=2 face=Arial>Exhibit 99.1</FONT></B></P>
<IMG border=0 src="sfb3459821-ex991x1x1.jpg"> <BR>

<P STYLE="text-align: center"><B><FONT size=4 face=Arial>Southern First Reports Results for Third Quarter of 2018</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, October 23, 2018 </FONT></B><FONT size=2 face=Arial>&#8211; Southern First Bancshares, Inc. </FONT><B><FONT size=2 face=Arial>(NASDAQ: SFST)</FONT></B><FONT size=2 face=Arial>, holding company for Southern First Bank, today reported net income available to common shareholders of $5.8 million, or $0.75 per diluted share, for the third quarter of 2018. In comparison, net income available to common shareholders was $4.3 million, or $0.55 per diluted share, for the third quarter of 2017. For the nine months ended September 30, 2018, net income available to common shareholders was $16.5 million, or $2.13 per diluted share. In comparison, net income to common shareholders for the nine months ended September 30, 2017 was $11.0 million, or $1.50 per diluted share.</FONT></P>

<div style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>2018 Third Quarter Highlights</FONT></U></B></div>

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   <TD style="PADDING-LEFT: 0pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT> </TD>

   <TD width="100%">

   <P align=justify><B><FONT size=2 face=Arial>Net income available to common shareholders increased 36% to $5.8 million for Q3 2018 compared to $4.3 million for Q3 2017</FONT></B></P></TD></TR>

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   <TD style="PADDING-LEFT: 0pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT> </TD>

   <TD width="100%">

   <P align=justify><B><FONT size=2 face=Arial>Total loans increased 22% to $1.62 billion at Q3 2018, compared to $1.33 billion at Q3 2017</FONT></B></P></TD></TR>

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   <TD style="PADDING-LEFT: 0pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT> </TD>

   <TD width="100%">

   <P align=justify><B><FONT size=2 face=Arial>Total deposits increased 18% to $1.59 billion at Q3 2018, compared to $1.34 billion at Q3 2017</FONT></B></P></TD></TR>

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   <TD style="PADDING-LEFT: 0pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT> </TD>

   <TD width="100%">

   <P align=justify><B><FONT size=2 face=Arial>Total core deposits increased 20% to $1.39 billion at Q3 2018, compared to $1.16 billion at Q3 2017</FONT></B></P></TD></TR>

<TR>

   <TD style="PADDING-LEFT: 0pt; PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT> </TD>

   <TD width="100%">

   <P align=justify><B><FONT size=2 face=Arial>Net interest margin remained at 3.60% for Q3 2018 compared to Q3 2017</FONT></B></P></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;I am proud of our Southern First team and our third quarter results as we report record earnings and loan growth for the quarter,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer. &#8220;Our team continues to build and develop client relationships in each of our markets, generating strong momentum as we finish out 2018.&#8221;</FONT></P>

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<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="15" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: center">&nbsp;</TD></TR>
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   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="15" STYLE="border-bottom: #000000 1px solid; width: 25%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

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   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD width="5%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: #000000 1px solid; width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="5%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net income available to common shareholders</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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,782</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,510</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,214</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,080</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,250</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.75</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.71</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.67</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.27</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.55</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18,034</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17,383</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16,462</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,789</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,851</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.60</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.49</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.63</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.59</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.60</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.28</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.26</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.28</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.52</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.09</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.98</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14.03</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.88</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5.50</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.60</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: #000000 1px solid; width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>56.49</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>57.41</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>55.92</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>54.61</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>55.55</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total loans<SUP>(5)</SUP></FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,620,201</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,533,447</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,459,382</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,387,070</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,327,739</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,589,483</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,567,982</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,520,523</FONT></TD>

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

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

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

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

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

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

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,390,626</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,387,928</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,336,363</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,221,363</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,160,906</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,857,707</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,787,784</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,729,299</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,624,625</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,557,684</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total risk-based capital ratio</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12.50</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12.77</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.01</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.27</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.58</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.48</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.70</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.90</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12.11</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12.38</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.15</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>9.96</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.27</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.26</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.36</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.66</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.83</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.98</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.15</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.37</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tangible common equity<SUP>(9)</SUP></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>8.99</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>9.00</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>8.95</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>9.21</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>9.47</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Asset Quality Ratios:</FONT></B></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.33</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.44</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.43</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.46</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.39</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.06</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.04</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.05</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.10</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.08</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 74%; 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 width="1%" noWrap align=left></TD>

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.00</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.05</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.09</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.12</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.17</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 74%; text-align: left; padding-left: 15pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of nonaccrual loans</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>270.54</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>208.52</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>217.92</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>212.60</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>278.05</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="100%" colSpan=17 align=center><FONT size=1 face=Arial>[Footnotes to table located on page 3]</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<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</FONT></U></B><BR>
<FONT size=2 face="Arial">Net interest margin was 3.60% for the third quarter of 2018 and 2017. During the third quarter of 2018, our average interest-earning assets increased by &#36;233.4 million, compared to the third quarter of 2017, while the yield on our interest-earning assets increased by 30 basis points. In comparison, our average interest-bearing liabilities increased by &#36;180.7 million during the third quarter of 2018, compared to the third quarter of 2017, with the respective cost increasing by 40 basis points.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">Noninterest income was &#36;2.5 million for the three months ended September 30, 2018 and 2017. For the nine months ended September 30, 2018 and 2017, noninterest income was &#36;7.7 million and &#36;7.2 million, respectively. While total noninterest income was relatively unchanged for the three-month period ended September 30, 2018 as compared to the same period in 2017, ATM and debit card income increased and mortgage banking income and service fees on deposit accounts decreased during the third quarter of 2018. The increase in noninterest income during the nine-month period ended September 30, 2018 was driven primarily by increases in mortgage banking income, ATM and debit card income and other income, partially offset by a decrease in service fees on deposit accounts. Mortgage banking revenue comprises a significant portion of our noninterest income and totaled &#36;1.4 million and &#36;4.3 million for the three and nine months ended September 30, 2018, respectively, and &#36;1.4 million and &#36;4.1 million for the three and nine months ended September 30, 2017, respectively.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">Noninterest expense was &#36;10.2 million and &#36;8.8 million for the three months ended September 30, 2018 and 2017, respectively, and &#36;29.4 million and &#36;25.9 million for the nine months ended September 30, 2018 and 2017, respectively. The increase in noninterest expense during both the three- and nine-month periods ended September 30, 2018 was driven primarily by increases in compensation and benefits, occupancy, and insurance expense, while professional fees also contributed to the increase during the nine-months ended September 30, 2018. Included in noninterest expense are mortgage banking expenses of &#36;1.1 million and &#36;3.2 million for the three and nine months ended September 30, 2018, respectively, and &#36;970 thousand and &#36;2.9 million for the three and nine months ended September 30, 2017, respectively.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">During the three months ended September 30, 2018, we recorded total credit costs of &#36;401 thousand, including a &#36;400 thousand provision for loan losses and &#36;1,000 of expenses related to the sale and management of other real estate owned. In addition, we had net charge-offs for the third quarter of 2018 of &#36;360 thousand, or 0.09% of average loans, annualized. During the three months ended September 30, 2017, our total credit costs were &#36;528 thousand, including a &#36;500 thousand provision for loan losses and &#36;28 thousand of expenses related to the sale and management of other real estate owned. Net loan charge-offs for the third quarter of 2017 were &#36;365 thousand, or 0.11% of average loans, annualized. For the nine months ended September 30, 2018 and 2017, total credit costs were &#36;1.3 million and &#36;1.5 million, respectively. Our allowance for loan losses was &#36;16.1 million, or 1.00% of gross loans, at September 30, 2018, which provides approximately 271% coverage of nonaccrual loans, compared to &#36;15.6 million, or 1.17% of gross loans, and approximately 278% coverage of nonaccrual loans at September 30, 2017.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">Nonperforming assets were &#36;6.1 million, or 0.33% of total assets, as of September 30, 2018. Comparatively, nonperforming assets were &#36;6.0 million, or 0.39% of total assets, at September 30, 2017. Of the &#36;6.1 million in total nonperforming assets as of September 30, 2018, nonperforming loans represent &#36;6.0 million and other real estate owned represents &#36;117 thousand. Classified assets totaled 9% of tier 1 capital plus the allowance for loan losses at September 30, 2018, compared to 11% at September 30, 2017.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">Gross loans were &#36;1.6 billion, excluding mortgage loans held for sale, as of September 30, 2018, compared to &#36;1.3 billion at September 30, 2017. Core deposits, which exclude out-of-market deposits and time deposits of &#36;250,000 or more, totaled to &#36;1.4 billion at September 30, 2018 compared to &#36;1.2 billion at September, 2017.</FONT></P>
<P style="text-align: justify;">
<FONT size=2 face="Arial">Shareholders&#146; equity totaled &#36;166.9 million as of September 30, 2018, compared to &#36;149.7 million at December 31, 2017, and &#36;147.4 million at September 30, 2017. As of September 30, 2018, our capital ratios continue to exceed the regulatory requirements for a &#147;well capitalized&#148; institution.</FONT></P>
<P STYLE="text-align: center">
<FONT size=2 face="Arial">2</FONT></P>
<HR noshade align="center" width="100%" size=2>

<DIV STYLE="page-break-before: always"></DIV>
<BR>




<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="20" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>FINANCIAL HIGHLIGHTS - Unaudited</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=20>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>3<SUP>rd </SUP></FONT></B><B><FONT size=1 face=Arial>Qtr</FONT></B></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="9%" colSpan=5 noWrap align=center><B><FONT size=1 face=Arial>Nine Months Ended</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>YTD</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>

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

   <TD width="9%" colSpan=5 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt; white-space: nowrap"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>% Change</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>% Change</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Earnings Summary</FONT></B></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=center></TD>

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

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

   <TD width="3%" noWrap align=center></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest income</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>19,865</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,955</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>24.5</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>55,578</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>44,845</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>23.9</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest expense</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>4,364</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>2,646</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>64.9</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>11,423</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>7,577</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>50.8</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>15,501</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13,309</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16.5</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>44,155</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37,268</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18.5</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>400</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>500</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(20.0</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,300</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,500</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(13.3</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest income</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>2,533</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,542</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(0.4</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,725</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,156</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8.0</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>10,188</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>8,806</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>15.7</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>29,372</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>25,929</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>13.3</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,446</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,545</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.8</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>21,208</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16,995</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>24.8</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>1,664</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>2,295</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>(27.5</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4,702</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>6,030</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>(22.0</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)%&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; 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-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>5,782</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4,250</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>36.0</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>16,506</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>10,965</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>50.5</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,400</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,282</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.6</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,369</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6,905</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6.7</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Diluted weighted average common shares</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>7,746</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,668</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.0</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,741</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7,291</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6.2</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.58</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>34.5</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.24</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.59</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>40.9</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.75</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.55</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>36.4</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.13</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1.50</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>42.0</FONT></TD>

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

<TR>

   <TD width="100%" colSpan=20>&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>3rd Qtr</FONT></B></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="14%" colSpan=8 noWrap align=center><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt; white-space: nowrap"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>% Change</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Balance Sheet Highlights</FONT></B></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Assets</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,857,707</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>19.3</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,787,784</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,729,299</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Investment securities</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>71,815</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>81,504</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(11.9</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>73,126</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>61,562</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>72,065</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>9,298</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.9</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8,075</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10,885</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans <SUP>(5)</SUP></FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,620,201</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,327,739</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>22.0</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,533,447</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,459,382</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,387,070</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>16,140</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.6</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16,100</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15,852</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>117</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>420</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(72.1</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>117</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>242</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest bearing deposits</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>300,331</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>272,759</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>10.1</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>310,709</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>297,892</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest bearing deposits</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,289,152</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,069,818</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.5</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,257,273</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,222,631</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,085,443</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,589,483</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18.4</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,567,982</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,520,523</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other borrowings</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>68,500</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>39,200</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>74.7</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>28,600</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>28,600</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>67,200</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tangible common equity</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>166,944</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>147,449</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>13.2</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>160,856</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>154,739</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>149,686</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total shareholders&#8217; equity</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>166,944</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>147,449</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>13.2</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>160,856</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>154,739</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>149,686</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Book value per common share</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>22.41</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.15</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>11.2</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>21.66</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.96</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>20.37</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Stock price:</FONT></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>High</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>47.00</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>37.45</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>48.35</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>46.55</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>42.90</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Low</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>39.20</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>33.50</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17.0</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>44.20</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>41.00</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>36.75</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Period end</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>39.30</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>36.35</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8.1</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>44.20</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>44.50</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>41.25</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; 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 STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,449</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,319</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.8</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,426</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,382</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,348</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Other</FONT></B></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans to deposits</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>101.93</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>98.89</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.1</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>97.80</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>95.98</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>100.43</FONT></TD>

   <TD STYLE="width: 1%; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Team members</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>223</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>198</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>12.6</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>224</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>211</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>198</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; 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 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 width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,592,279</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,314,061</FONT></TD>

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

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

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

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,491,246</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,444,343</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,351,355</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Deposits</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,555,618</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,328,481</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17.1</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,543,045</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,431,967</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,369,547</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Assets</FONT></TD>

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

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

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,786,656</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,549,875</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15.3</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,757,155</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,645,846</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,589,206</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Equity</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>164,100</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>145,294</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>12.9</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>157,575</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>152,374</FONT></TD>

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

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

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>149,928</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>



<div 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></FONT><FONT size=1 face=Arial>(3) Annualized for the respective three and nine month periods.<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) September 30, 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) Includes loans held for sale.</FONT></div>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



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



<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; width: 100%">



<TR vAlign=bottom>

   <TD COLSPAN="16" STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR>

   <TD COLSPAN="17">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="15" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 100%; text-align: left; text-indent: -15pt; padding-left: 15pt"><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>244</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,680</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,689</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,525</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,581</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,049</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Commercial business</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>89</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>94</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>102</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>910</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,116</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,153</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,174</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,091</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>992</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,267</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>850</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,598</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,730</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,145</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>195</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,194</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,166</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,826</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,673</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>730</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Total nonaccrual loans</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,966</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,721</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,274</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,302</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,603</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>117</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>117</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>242</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>242</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>420</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,083</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,838</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,516</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,544</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,023</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.33</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.44</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.43</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.46</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.39</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total loans</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.38</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.51</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.52</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.54</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.45</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,699</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,397</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,649</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,145</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,954</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR>

   <TD COLSPAN="17">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="15" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,100</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,852</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,579</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,444</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Loans charged-off</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(556</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(311</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(293</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(676</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(399</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Recoveries of loans previously charged-off</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>196</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>159</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>122</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>120</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>34</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Net loans charged-off</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(360</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(152</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(171</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(556</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(365</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>400</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>400</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>500</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>500</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>500</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,140</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,100</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,852</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,523</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,579</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.00</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.05</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.09</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.12</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.17</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>270.54</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>208.52</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>217.92</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>212.60</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>278.05</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Net charge-offs to average loans QTD (annualized)</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.09</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.04</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.05</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.17</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.11</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR>

   <TD COLSPAN="17">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD COLSPAN="17" STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>LOAN COMPOSITION</FONT></B> </TD></TR>

<TR>

   <TD COLSPAN="17">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="15" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; text-indent: -15pt; padding-left: 15pt"></TD>

   <TD STYLE="text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="3" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>372,120</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>358,169</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>339,444</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>316,818</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>317,262</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>399,166</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>355,309</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>339,231</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>312,798</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>301,360</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>68,415</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>73,655</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>56,210</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>51,179</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>32,332</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>244,348</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>238,402</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>234,820</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>226,158</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>214,898</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,084,049</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,025,535</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>969,705</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>906,953</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>865,852</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Real estate</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>311,271</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>290,433</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>275,731</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>273,050</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>250,483</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Home equity</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>163,654</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>156,630</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>155,507</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>156,141</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>150,371</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Construction</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>38,015</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>38,400</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>35,017</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>28,351</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>38,766</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,212</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,449</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,422</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,575</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,267</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>536,152</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>507,912</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>489,677</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>480,117</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>461,887</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,620,201</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,533,447</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,459,382</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,387,070</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left; text-indent: -15pt; padding-left: 15pt"><FONT size=2 face=Arial>Less&#8212;allowance for loan losses</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,140</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,100</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,852</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,523</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,579</FONT></TD>

   <TD STYLE="border-bottom: #000000 1px solid; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

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

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,604,061</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,517,347</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,443,530</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,371,547</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,312,160</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<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" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="12" STYLE="width: 111%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=12>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="100%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" colSpan=10 noWrap align=center><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: 100%; text-align: left"></TD>

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

   <TD width="1%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: #000000 1px solid; width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Non-interest bearing</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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>300,331</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>310,709</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>297,892</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>295,680</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>272,758</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 100%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 100%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>237,860</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>251,511</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>243,418</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>229,945</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>209,607</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 100%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>680,824</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>659,353</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>642,333</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>545,029</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>533,575</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 100%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Savings</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,041</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,913</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,952</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,298</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,659</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 100%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>62,744</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>60,632</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>56,778</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>55,461</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>54,133</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 100%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Time and out-of-market deposits, $100,000 and over</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial>291,683</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial>269,864</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial>264,150</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial>238,710</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial>256,845</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 100%; text-align: left; padding-left: 45pt; text-indent: -15pt; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,589,483</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,567,982</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,520,523</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,381,123</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,342,577</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P><BR>

<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="20" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>NONINTEREST INCOME &amp; EXPENSE - Unaudited</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=20>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="70%" noWrap align=left></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>3</FONT></B><B><FONT size=1 face=Arial><SUP>rd </SUP></FONT></B><B><FONT size=1 face=Arial>Qtr</FONT></B></TD>

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

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="9%" colSpan=5 noWrap align=center><B><FONT size=1 face=Arial>Nine Months Ended</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>YTD</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="70%" noWrap align=left></TD>

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

   <TD width="9%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>

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

   <TD width="9%" colSpan=5 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>% Change</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>% Change</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

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

   <TD width="3%" noWrap align=left></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Mortgage banking income</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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="2%" noWrap align=right><FONT size=2 face=Arial>1,354</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,403</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(3.5</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,311</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4,063</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>6.1</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Service fees on deposit accounts</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>257</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>324</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(20.7</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>769</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>886</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(13.2</FONT></TD>

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

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>ATM and debit card income</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>381</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>284</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>34.2</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,085</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>818</FONT></TD>

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

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

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>32.6</FONT></TD>

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

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income from bank owned life insurance</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>221</FONT></TD>

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

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>224</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(1.3</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>662</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>590</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>12.2</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: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other income</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>320</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>307</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.2</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>898</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>799</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>12.4</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>2,533</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>2,542</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>(0.4</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>7,725</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>7,156</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>8.0</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest income to average assets <SUP>(3)</SUP></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.56</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.65</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(13.8</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.60</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.65</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(7.7</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)%</FONT></TD></TR>

<TR>

   <TD COLSPAN="20" STYLE="width: 100%; padding-left: 15pt; text-indent: -15pt">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>

   <TD 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 width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Compensation and benefits</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>6,599</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5,698</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>15.8</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>18,808</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16,496</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>14.0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Occupancy</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>1,350</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,043</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>29.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,763</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3,042</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>23.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Data processing and related costs</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>841</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>794</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>5.9</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,400</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2,362</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Insurance</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>376</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>258</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>45.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>987</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>845</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>16.8</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Professional fees</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>275</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>334</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>(17.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>)%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,208</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1,029</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>17.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Marketing</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>215</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>199</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>8.0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>652</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>605</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>7.8</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: #000000 1px solid; width: 70%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>532</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>480</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>10.8</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,554</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1,550</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>0.3</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 70%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="2%" noWrap align=right><FONT size=2 face=Arial>10,188</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>8,806</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>15.7</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>29,372</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>25,929</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>13.3</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 70%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest expense to average assets <SUP>(3)</SUP></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.26</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.25</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.4</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.27</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.35</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(3.4</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>)%</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P><BR>

<TABLE style="LINE-HEIGHT: 14pt" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="16" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>AVERAGE YIELD/RATE - Unaudited</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=16>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="24%" colSpan=14 noWrap align=center><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="75%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="4%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="75%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="24%" colSpan=14 noWrap align=center><B><FONT size=1 face=Arial>Yield/Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(3)</SUP></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>Interest-earning assets</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" 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>Federal funds sold</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.95</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.82</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.62</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.29</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.31</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</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>Investment securities, taxable</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.65</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.49</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.18</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.95</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>2.05</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>Investment securities, nontaxable</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.89</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.68</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>4.19</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.91</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.67</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.77</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.70</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.65</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.59</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.59</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 75%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-earning assets</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.61</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.42</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.44</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.31</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.31</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></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>Interest-bearing liabilities</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="3%" 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>NOW accounts</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.20</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.17</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.15</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.16</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.18</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</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>Savings &amp; money market</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.34</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.25</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.07</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.90</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.84</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: #000000 1px solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Time deposits</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.79</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.61</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.38</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.21</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.08</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 75%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-bearing deposits</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.24</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>1.14</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.97</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.84</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>0.78</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>FHLB advances and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.13</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.35</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.25</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.36</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.50</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: #000000 1px solid; width: 75%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.47</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>4.79</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>3.48</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>3.49</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>3.43</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: #000000 1px solid; width: 75%; text-align: left; padding-left: 30pt; text-indent: -15pt"><FONT size=2 face=Arial>Total interest-bearing liabilities</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.33</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.23</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>1.06</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>0.96</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="3%" noWrap align=right><FONT size=2 face=Arial>0.93</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1px solid" width="1%" noWrap align=left><FONT size=2 face=Arial>%</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>Net interest spread</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.28</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.19</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.38</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.35</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" noWrap align=right><FONT size=2 face=Arial>3.38</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%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.60</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.49</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.63</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.59</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>3.60</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD></TR></TABLE>

<P style="MARGIN: 0px"></P>

<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 13 locations in the Greenville, Columbia, and Charleston markets of South Carolina, as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First Bancshares has consolidated assets of approximately $1.9 billion and its common stock is traded on 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;continues,&#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>

<div 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 our 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). Any subsequent written and oral forward-looking statement 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></div>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD STYLE="width: 99%; border-bottom: Black 2pt dashed">&nbsp;</TD></TR>
</table>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>FINANCIAL CONTACT: MIKE DOWLING 864-679-9070</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>MEDIA CONTACT: ART SEAVER 864-679-9010</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>WEB SITE: </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
