<SEC-DOCUMENT>0001206774-19-000144.txt : 20190122
<SEC-HEADER>0001206774-19-000144.hdr.sgml : 20190122
<ACCEPTANCE-DATETIME>20190122090019
ACCESSION NUMBER:		0001206774-19-000144
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190122
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190122
DATE AS OF CHANGE:		20190122

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:		19534400

	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>sfb3459824-8k.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">
<DIV>
<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>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <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;January 22, 2019
&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE></DIV>

<BR>
<DIV align=center>
<IMG border=0 src="sfb3459824-8kx1x1.jpg"></div><BR><BR>



<DIV align=center>

<TABLE style="WIDTH: 90%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <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>

<TR vAlign=bottom>

   <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>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" align=center><B><FONT size=2 face=Arial>South Carolina</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(State or other jurisdiction of incorporation)</FONT></TD></TR></TABLE></DIV><BR>

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



<TR vAlign=bottom>

   <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>

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

   <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>

<TR>

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

<TR vAlign=bottom>

   <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>

<TR vAlign=bottom>

   <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>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <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>

<TR vAlign=bottom>

   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Registrant's telephone number, including area code)</FONT></TD></TR>

<TR>

   <TD>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>Not Applicable</FONT></B></TD></TR>

<TR vAlign=bottom>

   <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>

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



<TR vAlign=bottom>

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

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

   <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>

<TR vAlign=bottom>

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

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>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>

<TR vAlign=bottom>

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

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 14d-2(b) under the
   Exchange Act (17 CFR 240.14d-2(b))</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>

<TR vAlign=bottom>

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

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR></TABLE>

<P STYLE="text-align: 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>


<HR align=center SIZE=2 width="100%" noShade>



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



<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 January 22, 2019, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing
its financial results for the period ended December 31, 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>

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



<TR vAlign=bottom>

   <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>

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

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

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

   <TD COLSPAN="2" STYLE="width: 97%; white-space: nowrap; text-align: left; background-color: White"><FONT size=2 face=Arial>Earnings Press Release for period ended December 31, 2018.
</FONT></TD></TR></TABLE>

<BR>

<HR align=center SIZE=2 width="100%" noShade>



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



<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>

<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="line-height: 14pt; border-collapse: collapse; width: 100%">



<TR vAlign=bottom>

   <TD STYLE="border-style: none; border-width: medium; width: 49%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>


   <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>

<TR>

   <TD STYLE="border-style: none; border-width: medium"></TD>

    <TD STYLE="width: 1%">&nbsp;</TD>
   <TD COLSPAN="2">&nbsp;</TD></TR>

<TR>

   <TD STYLE="border-style: none; border-width: medium"></TD>

    <TD STYLE="width: 1%">&nbsp;</TD>
   <TD COLSPAN="2">&nbsp;</TD></TR>



<TR vAlign=bottom>

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


    <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>

<TR vAlign=bottom>

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


    <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>

<TR vAlign=bottom>

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


    <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>January 22, 2019
</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



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



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

<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <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>

<TR>

   <TD STYLE="white-space: nowrap; width: 3%; vertical-align: top; text-align: left; padding-top: 2pt; background-color: White"><A HREF="sfb3459824-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; background-color: White"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 96%; vertical-align: top; text-align: justify; padding-top: 2pt; background-color: White"><A HREF="sfb3459824-ex991.htm" STYLE="-sec-extract: exhibit">
   <FONT size=2 face=Arial>Earnings Press Release for the period ended December 31, 2018.</FONT></A></TD></TR></TABLE><BR>

<HR align=center SIZE=2 width="100%" noShade>





</DIV>
</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb3459824-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR THE PERIOD ENDED DECEMBER 31, 2018
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor="#ffffff">



<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>
<IMG border=0 src="sfb3459824-ex991x1x1.jpg"> <BR>

<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>Southern First Reports Results for 2018</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, January 22, 2019 </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 fourth quarter of 2018. In comparison, net income available to common shareholders was $2.1 million, or $0.27 per diluted share, for the fourth quarter of 2017. For the year ended December 31, 2018, net income available to common shareholders was $22.3 million, or $2.88 per diluted share. In comparison, net income to common shareholders for the year ended December 31, 2017 was $13.0 million, or $1.76 per diluted share.</FONT></P>

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

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Net income available to common shareholders increased 178% to $5.8 million for Q4 2018 compared to $2.1 million for Q4 2017 (JOBS Act-related deferred tax asset adjustment recorded in Q4 2017)</FONT></B></TD></TR>

<TR>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total loans increased 21% to $1.68 billion at Q4 2018, compared to $1.39 billion at Q4 2017</FONT></B></TD></TR>

<TR>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total deposits increased 19% to $1.65 billion at Q4 2018, compared to $1.38 billion at Q4 2017</FONT></B></TD></TR>



<TR>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total core deposits increased 17% to $1.43 billion at Q4 2018, compared to $1.22 billion at Q4 2017</FONT></B></TD></TR>

<TR>

   <TD STYLE="padding-right: 8pt; vertical-align: top; width: 1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Net interest margin remained at 3.59% for Q4 2018, the same as for Q4 2017</FONT></B></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;2018 was a record year for Southern First as we generated net income of $22.3 million. Our team continues to focus on delivering a unique client experience, and we have been fortunate in building client relationships which have grown to be a $1.9 billion bank,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer.</FONT></P>

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



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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"></TD>

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

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><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><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-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>

   <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">

   <TD STYLE="width: 84%; 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="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,783</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>5,782</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>5,510</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>5,214</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>2,080</FONT></TD>

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" 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="1%" 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="1%" 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="1%" 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="1%" noWrap align=right><FONT size=2 face=Arial>0.27</FONT></TD>

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>18,473</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>18,034</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>17,383</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>16,462</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>15,789</FONT></TD>

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; 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><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.46</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>56.25</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>56.49</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>57.41</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>55.92</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>54.61</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: 84%; border-bottom: Black 1pt 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 1pt solid"><FONT size=2 face=Arial></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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.23</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.26</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.28</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.27</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.15</FONT></TD>

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

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

   <TD STYLE="width: 84%; 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><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-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>

   <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: 84%; 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="RIGHT" STYLE="text-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>1,677,332</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>&nbsp;&nbsp;&nbsp;1,620,201</FONT></TD>

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

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

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

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,459,382</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>&nbsp;&nbsp;1,387,070</FONT></TD>

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,648,136</FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,434,125</FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 84%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Total assets</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,900,614</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,857,707</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,787,784</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,729,299</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,624,625</FONT></TD>

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

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

   <TD STYLE="width: 84%; 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><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-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>

   <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">

   <TD STYLE="width: 84%; 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><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12.49</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.53</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.14</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.73</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Tangible common equity<SUP>(9)</SUP></FONT></TD>

   <TD 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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.15</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.99</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.00</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.95</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"><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.21</FONT></TD>

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

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

   <TD STYLE="width: 84%; 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><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-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>

   <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">

   <TD STYLE="width: 84%; 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><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.31</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net charge-offs as a percentage of average loans<SUP>(5) </SUP>(YTD annualized)</FONT></TD>

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

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.11</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; 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><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.94</FONT></TD>

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

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

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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><U><FONT size=1 face=Arial></FONT></U></TD>

   <TD width="1%" 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></TR>

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

   <TD STYLE="width: 84%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of nonaccrual loans</FONT></TD>

   <TD 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; vertical-align: bottom"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: bottom"><FONT size=2 face=Arial>270.36</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: bottom"><FONT size=2 face=Arial>270.54</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: bottom"><FONT size=2 face=Arial>208.52</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: bottom"><FONT size=2 face=Arial>217.92</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: bottom"><FONT size=2 face=Arial>212.60</FONT></TD>

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

<DIV STYLE="text-align: center"><FONT size=1 face=Arial>[Footnotes to table located on page 3]</FONT></DIV>

<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>

<BR>


<div style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>Operating Results</FONT></U></B></div>


<div style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest margin was 3.59% for the fourth quarter of 2018 and 2017. During the fourth quarter of 2018, our average interest-earning assets increased by $259.6 million, compared to the fourth quarter of 2017, while the yield on our interest-earning assets increased by 42 basis points. In comparison, our average interest-bearing liabilities increased by $218.1 million during the fourth quarter of 2018, compared to the fourth quarter of 2017, with the respective cost increasing by 53 basis points.</FONT></div>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $2.5 million and $2.2 million for the three months ended December 31, 2018 and 2017, respectively. For the year ended December 31, 2018 and 2017, noninterest income was $10.2 million and $9.3 million, respectively. The increases in total noninterest income for the three- and twelve-month periods ended December 31, 2018 as compared to the same periods in 2017, were driven 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 $1.2 million and $5.5 million for the three and twelve months ended December 31, 2018, respectively, and $1.1 million and $5.2 million for the three and twelve months ended December 31, 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense was $10.4 million and $8.6 million for the three months ended December 31, 2018 and 2017, respectively, and $39.8 million and $34.6 million for the twelve months ended December 31, 2018 and 2017, respectively. The increase in noninterest expense during both the three- and twelve-month periods ended December 31, 2018 was driven primarily by increases in compensation and benefits, occupancy, data processing and related costs and marketing expenses, while insurance expenses and professional fees also contributed to the increase during the twelve-months ended December 31, 2018. Included in noninterest expense are mortgage banking expenses of $942 million and $4.2 million for the three and twelve months ended December 31, 2018, respectively, and $884 thousand and $3.7 million for the three and twelve months ended December 31, 2017, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the three months ended December 31, 2018, we recorded total credit costs of $720 thousand, including a $600 thousand provision for loan losses and $120 thousand of expenses related to the sale and management of other real estate owned. In addition, we had net charge-offs for the fourth quarter of 2018 of $978 thousand, or 0.23% of average loans, annualized. During the three months ended December 31, 2017, our total credit costs were $690 thousand, including a $500 thousand provision for loan losses and $190 thousand of expenses related to the sale and management of other real estate owned. Net loan charge-offs for the fourth quarter of 2017 were $556 thousand, or 0.17% of average loans, annualized. For the twelve months ended December 31, 2018 and 2017, total credit costs were $2.0 million and $2.2 million, respectively. Our allowance for loan losses was $15.8 million, or 0.94% of gross loans, at December 31, 2018, which provides approximately 270% coverage of nonaccrual loans, compared to $15.5 million, or 1.12% of gross loans, and approximately 213% coverage of nonaccrual loans at December 31, 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets were $5.8 million, or 0.31% of total assets, as of December 31, 2018. Comparatively, nonperforming assets were $7.5 million, or 0.46% of total assets, at December 31, 2017. Of the $5.8 million in total nonperforming assets as of December 31, 2018, nonperforming loans represented the entire balance with no other real estate owned. Classified assets totaled 9% of tier 1 capital plus the allowance for loan losses at December 31, 2018, compared to 10% at December 31, 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Gross loans were $1.7 billion, excluding mortgage loans held for sale, as of December 31, 2018, compared to $1.4 billion at December 31, 2017. Core deposits, which exclude out-of-market deposits and time deposits of $250,000 or more, totaled to $1.4 billion at December 31, 2018 compared to $1.2 billion at December 31, 2017.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shareholders&#8217; equity totaled $173.9 million as of December 31, 2018, compared to $149.7 million at December 31, 2017. As of December 31, 2018, our capital ratios continue to exceed the regulatory requirements for a &#8220;well capitalized&#8221; institution.</FONT></P>

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

<HR align=center SIZE=2 width="100%" noShade>



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

<BR>


<TABLE CELLSPACING="0" CELLPADDING="0" BORDER="0" STYLE="border-collapse: collapse; line-height: 14pt; width: 100%">



<TR vAlign=bottom>

   <TD COLSPAN="16" STYLE="border-bottom: black 1.5pt solid; text-align: left; white-space: nowrap"><B><FONT size=2 face=Arial>FINANCIAL HIGHLIGHTS - Unaudited</FONT></B> <B><FONT STYLE="font: x-small Arial"></FONT></B>              </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: left"></TD>

   <TD STYLE="border-bottom: black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR>

<TR>

   <TD COLSPAN="20">&nbsp;&nbsp;</TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="6" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>4<SUP>th </SUP></FONT></B><B><FONT size=1 face=Arial>Qtr</FONT></B></TD>

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

   <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center; text-align: center"><B><FONT size=1 face=Arial>Twelve Months Ended</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>YTD</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="5" 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: left"></TD>

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

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>

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

   <TD COLSPAN="5" 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: left"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>% Change</FONT></B></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>% Change</FONT></B></TD></TR>

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

   <TD STYLE="width: 81%; text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Earnings Summary</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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">&nbsp;&nbsp;&nbsp;</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; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest income</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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>21,079</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>16,364</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>28.8</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>76,657</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>61,209</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>25.2</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 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Interest expense</FONT></TD>

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,082</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,756</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>84.4</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,505</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,333</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>59.7</FONT></TD>

   <TD STYLE="border-bottom: black 1pt solid; 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: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net interest income</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,997</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>13,608</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>17.6</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>60,152</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>50,876</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>18.2</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; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Provision for loan losses</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>600</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>500</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>20.0</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>1,900</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>2,000</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>(5.0</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: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest income</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,476</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>2,181</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>13.5</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>10,201</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>9,337</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>9.3</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 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,391</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8,623</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>20.5</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>39,763</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>34,552</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15.1</FONT></TD>

   <TD STYLE="border-bottom: black 1pt solid; 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: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income before provision for income taxes</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,482</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>6,666</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>12.2</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>28,690</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>23,661</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>21.3</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 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,699</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,586</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(63.0</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,401</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,616</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(39.7</FONT></TD>

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

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

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,783</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,080</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>178.0</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,289</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>13,045</FONT></TD>

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

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

   <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>70.9</FONT></TD>

   <TD STYLE="border-bottom: black 1pt 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: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Basic weighted average common shares</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,428</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>7,304</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>1.7</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>7,384</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>7,006</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>5.4</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: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Diluted weighted average common shares</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,726</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>7,697</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>0.4</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>7,737</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>7,393</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>4.7</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; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</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>0.78</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>0.29</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>169.0</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>3.02</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>1.86</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>62.4</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: 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="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"></TD>

   <TD STYLE="border-bottom: black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.75</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>0.27</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>177.8</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>2.88</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>1.76</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>63.6</FONT></TD>

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

<TR STYLE="background-color: Silver">

   <TD COLSPAN="20" STYLE="background-color: White">&nbsp;&nbsp;</TD></TR>

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

   <TD STYLE="text-align: left; background-color: White">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="6" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>4<SUP>th </SUP></FONT></B><B><FONT size=1 face=Arial>Qtr</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

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

   <TD STYLE="text-align: left; background-color: White"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="6" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018-2017</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2017</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>% Change</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

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

   <TD STYLE="text-align: left"><B><FONT size=2 face=Arial>Balance Sheet Highlights</FONT></B></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"></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>

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Assets</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>1,900,614 </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,624,625</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>17.0</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>1,857,707</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>1,787,784</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>1,729,299</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"><FONT size=2 face=Arial>Investment securities</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>79,026</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>72,065</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>9.7</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>71,815</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>73,126</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>61,562</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,241</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>11,790</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>(21.6</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>9,298</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>8,075</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>10,885</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"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,677,332</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></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>20.9</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>1,620,201</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></TR>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,762</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>1.5</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>16,140</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>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></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Other real estate owned</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"></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>242</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>(100.0</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>117</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>117</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>242</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>346,570</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>295,680</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>17.2</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>300,331</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>310,709</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>297,892</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: 15pt"><FONT size=2 face=Arial>Interest bearing deposits</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,301,566</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,085,443</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>19.9</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>1,289,152</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>1,257,273</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>1,222,631</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,648,136</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,381,123</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>19.3</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>1,589,483</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>1,567,982</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>1,520,523</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"><FONT size=2 face=Arial>Other borrowings</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>50,000</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>67,200</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>(25.6</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>68,500</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>28,600</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>28,600</FONT></TD>

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Junior subordinated debentures</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>13,403</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>13,403</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>13,403</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>13,403</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>13,403</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"><FONT size=2 face=Arial>Tangible common equity</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>173,916</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>149,686</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>16.2</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>166,944</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>160,856</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>154,739</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>173,916</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>149,686</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16.2</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>166,944</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>160,856</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>154,739</FONT></TD>

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

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

   <TD STYLE="text-align: left"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

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

   <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"><FONT size=2 face=Arial>Book value per common share</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>23.29</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>20.37</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>14.3</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>22.41</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>21.66</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>20.96</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"><FONT size=2 face=Arial>Stock price:</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"></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>

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

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>High</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>39.00</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>42.90</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>(9.1</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>47.00</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>48.35</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>46.55</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: 15pt"><FONT size=2 face=Arial>Low</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>30.26</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>36.75</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>(17.7</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>39.20</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>44.20</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>41.00</FONT></TD>

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

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Period end</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>32.07</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>41.25</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>(22.3</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>39.30</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>44.20</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>44.50</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,466</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,348</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.6</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,449</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,426</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,382</FONT></TD>

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

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

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

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

   <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"><FONT size=2 face=Arial>Loans to deposits</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>101.77</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>100.43</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>1.3</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>101.93</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>97.80</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>95.98</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: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Team members</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>229</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>198</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15.7</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>223</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>224</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>211</FONT></TD>

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

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Average Balances </FONT></B><FONT size=2 face=Arial>($ in thousands)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

   <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"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></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>1,659,313</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,351,355</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>22.8</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>1,592,279</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>1,491,246</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>1,444,343</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"><FONT size=2 face=Arial>Deposits</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,610,547 </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,369,547</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>17.6</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>1,555,618</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>1,543,045</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>1,431,967</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,850,229</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,589,206</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>16.4</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>1,786,656</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>1,757,155</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>1,645,846</FONT></TD>

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

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>170,408</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>149,928</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>13.7</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>164,100</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>157,575</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>152,374</FONT></TD>

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


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Footnotes to tables:<BR></FONT><FONT size=1 face=Arial>(1) Total revenue is the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(2) The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis. <BR>(3) Annualized for the respective three month period.<BR></FONT><FONT size=1 face=Arial>(4) Noninterest expense divided by the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(5) Excludes mortgage loans held for sale.<BR></FONT><FONT size=1 face=Arial>(6) Excludes out of market deposits and time deposits greater than $250,000. <BR>(7) December 31, 2018 ratios are preliminary.<BR></FONT><FONT size=1 face=Arial>(8) The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets. <BR>(9) The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets. <BR>(10) Includes loans held for sale.</FONT></P>

<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; border-collapse: collapse; width: 100%">



<TR vAlign=bottom>

   <TD COLSPAN="16" STYLE="border-bottom: Black 1.5pt solid; text-align: left"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</FONT></B> <B><FONT STYLE="font: x-small Arial"></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"></TD>

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

   <TD COLSPAN="15" STYLE="border-bottom: Black 1pt 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"></TD>

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

   <TD COLSPAN="3" 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: left"></TD>

   <TD COLSPAN="2" 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: left"></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: left"></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: left"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

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

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt 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: 84%; text-align: left"><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>

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

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

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

   <TD STYLE="text-align: left; padding-left: 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: right"><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>-</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: 15pt"><FONT size=2 face=Arial>Non-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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,457</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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</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"></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: 15pt"><FONT size=2 face=Arial>Commercial business</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>81</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></TR>

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

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

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

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,980</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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,006</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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</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"></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: 15pt"><FONT size=2 face=Arial>Other</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12</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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,294</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,194</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,166</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,826</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,673</FONT></TD>

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Total nonaccrual loans</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,830</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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>117</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>117</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>242</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>242</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,830</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,083</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,838</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,516</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,544</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.31</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>0.33</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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total loans</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.35</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>0.38</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></TR>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left"><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>6,742</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>6,699</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></TR>

<TR>

   <TD COLSPAN="17" STYLE="background-color: White">&nbsp;&nbsp;</TD></TR>

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

   <TD STYLE="text-align: left; background-color: White"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

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

   <TD STYLE="text-align: left; background-color: White"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; background-color: White"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>

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

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -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>16,140</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>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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Loans charged-off</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(987</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>(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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Recoveries of loans previously charged-off</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>196</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>159</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>122</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>120</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; 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>Net loans charged-off</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(978</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>(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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>600</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>400</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>400</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>500</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>500</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,762</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,140</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,100</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,852</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>15,523</FONT></TD>

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

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.94</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>1.00</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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>270.36</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>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></TR>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; padding-left: 15pt; text-indent: -15pt"><FONT size=2 face=Arial>Net charge-offs to average loans QTD (annualized)</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"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.23</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>0.09</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>0.04</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>0.05</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>0.17</FONT></TD>

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

<TR STYLE="background-color: Silver">

   <TD COLSPAN="17" STYLE="background-color: White">&nbsp;</TD></TR>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; background-color: White"><B><FONT size=2 face=Arial>LOAN COMPOSITION</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left; background-color: White"></TD></TR>

<TR STYLE="background-color: Silver">

   <TD COLSPAN="17" STYLE="background-color: White">&nbsp;&nbsp;</TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; background-color: White"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

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

   <TD STYLE="text-align: left; background-color: White"></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD STYLE="white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; background-color: White"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left; background-color: White"></TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; background-color: White"><B><FONT size=1 face=Arial>2017</FONT></B></TD></TR>

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

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

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

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: 0in"><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>367,018</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>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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: 0in"><FONT size=2 face=Arial>Non-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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>404,296</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>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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt; text-indent: 0in"><FONT size=2 face=Arial>Construction</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>84,411</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>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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt; text-indent: 0in"><FONT size=2 face=Arial>Business</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>272,980</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>244,348</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>238,402</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>234,820</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>226,158</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total commercial loans</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,128,705</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,084,049</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,025,535</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>969,705</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>906,953</FONT></TD>

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

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

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

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

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>320,943</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>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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>165,937</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>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></TR>

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

   <TD STYLE="text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</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"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>37,925</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>38,015</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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,822</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,212</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,449</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,422</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,575</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left; padding-left: 45pt; text-indent: -15pt"><FONT size=2 face=Arial>Total consumer loans</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>548,627</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>536,152</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>507,912</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>489,677</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>480,117</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,677,332</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>1,620,201</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></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Less&#8212;allowance for loan losses</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,762</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,140</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,100</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,852</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,523</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt 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="border-bottom: Black 1.5pt solid; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total loans, net</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>1,661,570</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>1,604,061</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>1,517,347</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>1,443,530</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>1,371,547</FONT></TD>

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


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



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

<BR>


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



<TR vAlign=bottom>

   <TD COLSPAN="12" STYLE="width: 99%; 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="99%" colSpan=12>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; text-align: left"></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: right; 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: 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: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left"></TD>

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

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

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

   <TD STYLE="width: 88%; text-align: left"><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>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>346,570</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>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></TR>

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

   <TD STYLE="width: 88%; text-align: left"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>

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

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

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>NOW accounts</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>186,795</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>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></TR>

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

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>730,765</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>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></TR>

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

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Savings</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,486</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>16,041</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></TR>

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

   <TD STYLE="width: 88%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>63,073</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>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></TR>

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

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; 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="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><U><FONT size=2 face=Arial></FONT></U></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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>305,447</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>291,683</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>269,864</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>264,150</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>238,710</FONT></TD></TR>

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

   <TD STYLE="width: 88%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total deposits</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: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,648,136</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>1,589,483</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></TR></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" 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> <B><FONT size=2 face=Arial></FONT></B></TD></TR>

<TR>

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

<TR vAlign=bottom>

   <TD STYLE="width: 81%; text-align: left"></TD>

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

   <TD COLSPAN="6" STYLE="width: 6%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>

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

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

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

   <TD COLSPAN="5" STYLE="width: 5%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Twelve Months Ended</FONT></B></TD>

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 81%; text-align: left"></TD>

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

   <TD width="6%" colSpan=6 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

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

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

   <TD width="5%" colSpan=5 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 81%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

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

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

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

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

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

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

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

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

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

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

   <TD STYLE="width: 81%; text-align: left"><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 81%; text-align: left"><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="1%" noWrap align=right><FONT size=2 face=Arial>1,233</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,089</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>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="1%" noWrap align=right><FONT size=2 face=Arial>5,544</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>5,152</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>7.6</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: 81%; text-align: left"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>271</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>283</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>(4.2</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="1%" noWrap align=right><FONT size=2 face=Arial>1,040</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,168</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>(11.0</FONT></TD>

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

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

   <TD STYLE="width: 81%; text-align: left"><FONT size=2 face=Arial>ATM and debit card income</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>404</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>325</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>24.3</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="1%" noWrap align=right><FONT size=2 face=Arial>1,490</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,172</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>27.1</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: 81%; text-align: left"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>217</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>220</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1.4</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="1%" noWrap align=right><FONT size=2 face=Arial>879</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>811</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>8.4</FONT></TD>

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

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

   <TD STYLE="width: 81%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other income</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>351</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>264</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>33.0</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,248</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,034</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>20.7</FONT></TD>

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

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

   <TD STYLE="width: 81%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total noninterest income</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,476</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,181</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>13.5</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,201</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,337</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.3</FONT></TD>

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

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

   <TD STYLE="width: 81%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Noninterest income to average assets<SUP>(3)</SUP></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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.53</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>0.54</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>(1.9</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.58</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>0.62</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>(6.5</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="background-color: Silver">

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

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

   <TD STYLE="width: 81%; text-align: left"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>

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

   <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: 81%; text-align: left"><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="1%" noWrap align=right><FONT size=2 face=Arial>6,753</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>5,295</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>27.5</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="1%" noWrap align=right><FONT size=2 face=Arial>25,561</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>21,791</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>17.3</FONT></TD>

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

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

   <TD STYLE="width: 81%; text-align: left"><FONT size=2 face=Arial>Occupancy</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,286</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,079</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>19.2</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="1%" noWrap align=right><FONT size=2 face=Arial>5,049</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>4,121</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>22.5</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: 81%; text-align: left"><FONT size=2 face=Arial>Data processing and related costs</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>902</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>796</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>13.3</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="1%" noWrap align=right><FONT size=2 face=Arial>3,302</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>3,158</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>4.6</FONT></TD>

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

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

   <TD STYLE="width: 81%; text-align: left"><FONT size=2 face=Arial>Insurance</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>298</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>301</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1.0</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="1%" noWrap align=right><FONT size=2 face=Arial>1,284</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,146</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>12.0</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: 81%; text-align: left"><FONT size=2 face=Arial>Professional fees</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>365</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>333</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>9.6</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="1%" noWrap align=right><FONT size=2 face=Arial>1,574</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,362</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>15.6</FONT></TD>

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

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

   <TD STYLE="width: 81%; text-align: left"><FONT size=2 face=Arial>Marketing</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>204</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>131</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>55.7</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="1%" noWrap align=right><FONT size=2 face=Arial>856</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>737</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>16.1</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: 81%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>583</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>688</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15.3</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,137</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,237</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(4.5</FONT></TD>

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

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

   <TD STYLE="width: 81%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total noninterest expenses</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,391</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,623</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>20.5</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>39,763</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>34,552</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15.1</FONT></TD>

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

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

   <TD STYLE="width: 81%; border-bottom: Black 1.5pt solid; text-align: left"><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"><FONT size=2 face=Arial></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: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.23</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>2.15</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>3.7</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>

   <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>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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.30</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>(1.7</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></TABLE>

<BR>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" 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 STYLE="width: 85%; text-align: left"></TD>

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

   <TD COLSPAN="14" STYLE="width: 14%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 85%; text-align: left"></TD>

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 85%; text-align: left"></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 85%; border-bottom: Black 1pt solid; text-align: left"></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Yield/Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(3)</SUP></FONT></B></TD>

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

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

   <TD STYLE="width: 85%; text-align: left"><B><FONT size=2 face=Arial>Interest-earning assets</FONT></B></TD>

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

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

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

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.20</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="1%" 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="1%" 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="1%" 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="1%" noWrap align=right><FONT size=2 face=Arial>1.29</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: 85%; text-align: left"><FONT size=2 face=Arial>Investment securities, taxable</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.70</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="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;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="1%" 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></TR>

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

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Investment securities, nontaxable</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>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="1%" 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="1%" 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="1%" 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="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.91</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: 85%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Loans<SUP>(10)</SUP></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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.86</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.77</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.70</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.65</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.59</FONT></TD>

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

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

   <TD STYLE="width: 85%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-earning assets</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.73</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.61</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.42</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.44</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.31</FONT></TD>

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

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

   <TD STYLE="width: 85%; text-align: left"><B><FONT size=2 face=Arial>Interest-bearing liabilities</FONT></B></TD>

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

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

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

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>NOW accounts</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.15</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="1%" 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="1%" 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="1%" 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="1%" 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></TR>

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

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Savings &amp; money market</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.52</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="1%" 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="1%" 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="1%" 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="1%" 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></TR>

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

   <TD STYLE="width: 85%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Time deposits</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.00</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.79</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.61</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.38</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.21</FONT></TD>

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

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

   <TD STYLE="width: 85%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-bearing deposits</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.41</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="1%" 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="1%" 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="1%" 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="1%" 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="width: 85%; text-align: left"><FONT size=2 face=Arial>FHLB advances and other borrowings</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.21</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="1%" 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="1%" 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="1%" 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="1%" 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></TR>

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

   <TD STYLE="width: 85%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Junior subordinated debentures</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.53</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.47</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.79</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.48</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3.49</FONT></TD>

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

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

   <TD STYLE="width: 85%; border-bottom: Black 1pt solid; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total interest-bearing liabilities</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.49</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.33</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.23</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1.06</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: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>0.96</FONT></TD>

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

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

   <TD STYLE="width: 85%; text-align: left"><FONT size=2 face=Arial>Net interest spread</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.24</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="1%" 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="1%" 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="1%" 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="1%" 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></TR>

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

   <TD STYLE="width: 85%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Net interest income (tax equivalent) / margin</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>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: 1%; 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: 1%; 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: 1%; 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: 1%; 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></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<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><U><FONT size=2 face=Arial>www.southernfirst.com</FONT></U><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><U><FONT size=2 face=Arial>www.southernfirst.com</FONT></U></P>

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

<HR align=center SIZE=2 width="100%" noShade>



</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>sfb3459824-8kx1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb3459824-8kx1x1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" != * # 2(  A$! Q$!_\0
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M\.6&IZH;6&6=;0Q1NZ_R0^./VJ]-\$?M=_MG_P#!;/3? MMXW\"IX/\ "/\
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M  )\%O\ @GW^P]X8&E?%+XD02?"G5F_;'^,,=EHLP^%W@?Q/XZTK65TCX?\
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M /!.3Q#X'TK]N#X1_#7]I[]GKXC3SZ7H/Q<^%NF^)/#IEO=&2!]9T?Q!HOQ
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8D5KFYCT[3]/L$ED=;.RM+<) FA00?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>sfb3459824-ex991x1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb3459824-ex991x1x1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !. (@# 2(  A$! Q$!_\0
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MM.\1ZYX?\5-K,,3W>OZ1XVUO3?"DFDZ]I7_!8K_@HSJ?QSNO%D^C_P#!*_\
MX)D?$"7P5X;N=.UC4-/T7]M3]M;08XKK5=4U&+2YX3XL^#OP-AU>"UT.QFCO
M=-\6ZCJ<KZ>/$/A7QWXGTW2OH_X0_L-?M&?#[_@D_!^PK\'O#6E?L/6_@_\
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MU+2-0^)NIZ>S_";P0)O 'A.WUSXI067COX)_8O\ P5/_ &/O^"C7_!0WX1>
M?V=?#?B;P-\#/@S\7OBEX7T7]I'2? 7Q+U,ZWX/_ &=[/5M.O?'-WJGBV;PS
MHNH_%KX@^+=,#:5H7PRT;0O#/PJ\.P)XGMO&>K_%BZU7P5XC\$_M-\'/@_\
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M;INEVKRVWA?P-X5M)IM,\#^"K"XN;70-/EN[W4-0U_Q?KGBOQ;XC* /X[/\
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MCI?#UA;:78^*;WPUK>L:_<Z1XBU>TM8[KQ'!:ZO=:7-K+W=[I<.G65U#I5B
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MG2%T4>(M<U&/Q]X3T>VL/#FD/J6E^&]'L+-)D&O:[J&J:K?-=:?8:4 ?1_\
MP1.\-Z9XW_X(J?L$>'+Z5FL=5_9?\(V$L]JT,DEO,CWJB6(OOB^U6-Y K!)
M1'<0F.105=17_:M\,^"OC'\%OBM^QKXT\!+/\(?'>AZMX)\:Z3XN\KQ%K]\M
MU$5M->TN2]6?3O#FL:1?+8^)O"FIZ!#'<:-KNGZ5KVCW]O/#$X]4_P""1O[$
M_P >O^"=O[(?@[]C_P",'QF\ ?'CPS\([C6[7X4>.O"G@KQ!X#\10^%?$?B;
M7O%=SX:\7Z3JWB/Q38W[:%JFN7,.@:MIFH6A&BR6VD7>GE]*CU+4/T"\4^ -
M'UN[FU^RM-*T[QG%8?9=*\47.DP:K<::RR!HIUM)Y(H)YH,N()9#YL.]E23R
MV>-_YF^D+X0\8\=X?+N(O"_BI\"<<Y=&.79EGV6Y?AZO$F;<)TZKS&ID&2YK
M7Q=#^SL=+'X>%7"4V\+@\RGB:V!S7,<-@:DIQ^QX3X@R[*IU\+G> >;976?M
MZ.$K5YPP>'S#E5&.,Q-"$)^VI*C)QJ.U2I15.-7#T*E9)/\ SR?^#>;X[^(O
MV:OVUOVD?^"0?[7WB[7;'1?"-U\19?@IJ%_->R3^$_B)\+=2O+WQ-X9\+:=>
MPW$K^#_BIX%-]\0M.TI(?(MKSPXNHZ0EG/XLUJXO?[ ]0^/7P=\&_M"?!C]D
MKX+^*/#8^-'QU^'/Q,^(GAG5=7N(#XOGT'X6:CX(T_Q=:^7K*:>-#U&ZL/&=
MSKFAZ7I&G7DVN:#X$\?:E%-:R^'(UO\ \DOVU/\ @W%^,O[1?_!1GPY_P4-^
M"W[9GA7X$_%73;KP#KWB"75_A)K'Q!;Q%XW^'\2:+9^(+J"T\<>#+632M<\%
MZ=H/A/7_  Q,TEM>Z?IMXLNH2PZJ]M:_:W[6W_! 3X9_M>>(O@I^T1<?M)?&
M[]G+]N7X&>']+TSP9^T-\ -:N+/POINHZ3JVJZ[:3VOPR\47FHSVFEV^K:[K
M%Q#;:+XTT'7;NTU"32?$GB7Q)8PPJ/S^?@[A_$CCO)^*X\&9%P;0SW@RK#Q'
MXORK!87(?&'A_P 1L!/"470R_,L'5S7(<*\\A0E5Q^<Y#A:^81H/,\%'.J=&
MOAF>O_K(LJRS$8%9KBLSGA,RB\IRVK5J8OAO%954C4:=;#UH8;%S6$E**IX;
M%5%1E-4*CPLG&H?OQHNG?V3I=AIOGW%U]BL[:U-U>3/<W=TT$2QM=74\C,\U
MQ<,IFFE=BSRNS,2237R1^T;_ ,$\/V&?VM]"UO0/VC/V4?@7\4X]?@GAO==U
MWX=^'H/'%L]Q&\;WNB?$/2;+3O'7AW5%5V\K5M \1:;J4)),=TO.?E'X9>&O
M^"X7P>LK+PIXN\<?\$[?VU]'TF**UMOB;XWN/CG^QI\5?$,42J/[0\6:)\./
MAE^TU\-7U67!$G_",Z'X=L06#BU9E;S.R\5^$/\ @KU\9M-O/"EQ\2?V)_V+
M-#UB%[75/'7P9MOBU^UU\7=*LI<K-_P@M[\6/!O[-_PWT#7I(BRVGB#Q1\//
M'MCILC"=?"][*D97^T<)A:6"PN'P>'BXT,+0I8:C%N4G&E0ITZ--.4W*<GRT
MTY2G*4YRG.<Y.4Y,_.92E.4IS=YSE*<GHKRG*4F[))+63T22222222/Y/?\
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>W3K"_P!6T[66M=<D@?4'T[3;B22.0 ^UZ*** /_9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
