<SEC-DOCUMENT>0001206774-19-001400.txt : 20190423
<SEC-HEADER>0001206774-19-001400.hdr.sgml : 20190423
<ACCEPTANCE-DATETIME>20190423090022
ACCESSION NUMBER:		0001206774-19-001400
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190423
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190423
DATE AS OF CHANGE:		20190423

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:		19760721

	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>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>sfb3459828-8k.htm
<DESCRIPTION>CURRENT REPORT
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<P align=center>&nbsp;<B><FONT size=4 face=Arial>UNITED STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=2 face=Arial>WASHINGTON, DC 20549</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>FORM 8-K</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>CURRENT REPORT PURSUANT<BR>TO SECTION 13 OR 15(D) OF THE<BR>SECURITIES EXCHANGE ACT OF 1934</FONT></B></P>

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   <TD width="72%" noWrap align=left><FONT size=2 face=Arial>Date of report (Date of earliest event reported</FONT><FONT size=2 face=Arial>)</FONT></TD>

   <TD style="WIDTH: 27%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;April 23, 2019
 &nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE></DIV><BR>

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   <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-bottom: 2pt; text-align: center"><B><FONT size=5 face=Arial>Southern First Bancshares, Inc.</FONT></B></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>(864) 679-9000</FONT></B></TD></TR>

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

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

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

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   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Former name or former address, if changed since last report)</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</FONT></P>

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

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</FONT></P>

<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Emerging growth company</FONT><FONT size=2 face=Arial> &#9744;</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</FONT></P>

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

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On April 23, 2019, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2019. A copy of the press release is attached hereto as Exhibit 99.1.
</FONT></P>

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

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

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

   <TD style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

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

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

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   <TD STYLE="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 March 31, 2019.
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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
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   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B></TD></TR>

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

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

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


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>April 23, 2019</FONT></P>

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

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   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"><FONT size=2 face=Arial>Exhibit Number</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"><FONT size=2 face=Arial>Description</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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

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   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; BACKGROUND-COLOR: white"><A HREF="sfb3459828-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>99.1</FONT></A></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; BACKGROUND-COLOR: white"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 97%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; BACKGROUND-COLOR: white" colSpan=2><A HREF="sfb3459828-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Earnings Press Release for the period ended March 31, 2019.
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<DOCUMENT>
<TYPE>EX-99.1
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<FILENAME>sfb3459828-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR THE PERIOD ENDED MARCH 31, 2019.
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<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>
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<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>Southern First Reports Results for First Quarter of 2019</FONT></B></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, April 23, 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 $6.0 million, or $0.78 per diluted share, for the first quarter of 2019. In comparison, net income available to common shareholders was $5.2 million, or $0.67 per diluted share, for the first quarter of 2018.</FONT></P>

<DIV style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>2019 First Quarter Highlights</FONT></U></B></DIV>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Net income available to common shareholders increased 15% to $6.0 million for Q1 2019 compared to $5.2 million for Q1 2018</FONT></B></TD></TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total loans increased 19% to $1.73 billion at Q1 2019, compared to $1.46 billion at Q1 2018</FONT></B></TD></TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total deposits increased 16% to $1.76 billion at Q1 2019, compared to $1.52 billion at Q1 2018</FONT></B></TD></TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Core deposits increased 14% to $1.53 billion at Q1 2019, compared to $1.34 billion at Q1 2018</FONT></B></TD></TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Total revenue increased 14% to $18.8 million at Q1 2019, compared to $16.5 million at Q1 2018</FONT></B></TD></TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Efficiency ratio was 56.6% for Q1 2019, compared to 55.9% for Q1 2018</FONT></B></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;I am proud to report a great start to the new year with record earnings of $6 million for the first quarter and core deposit growth in excess of $90 million for the quarter,&#8221; stated Art Seaver, the Company&#8217;s Chief Executive Officer. &#8220;Our team is intent on serving our clients and providing a unique client experience, as evidenced by the growth in new client relationships and retail deposits as well as excellent production by our mortgage team.&#8221;</FONT></P>

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   <TD COLSPAN="11" STYLE="width: 11%; text-align: center; border-top: Black 1.5pt solid; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31 </FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: black 1pt solid; text-align: left; padding-left: 4pt; width: 88%"></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" width="2%" colSpan=2><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" width="1%">&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 2%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" width="1%"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" width="1%">&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 2%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" width="1%"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" width="1%">&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 2%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" width="1%"><B><FONT size=1 face=Arial>2018</FONT></B></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left" width="1%">&nbsp;&nbsp;</TD>

   <TD STYLE="width: 2%; white-space: nowrap; border-bottom: black 1pt solid; text-align: center; width: 1%; padding-right: 4pt"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Earnings </FONT></B><FONT size=2 face=Arial>($ in thousands, except per share data)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><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 STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>6,009</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>5,783</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>5,782</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>5,510</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>5,214</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.78</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.75</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.75</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.71</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.67</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><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 STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>18,812</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>18,473</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>18,034</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>17,383</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>16,462</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>3.52%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>3.59%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>3.60%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>3.49%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>3.63%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><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 STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.28%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.24%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.28%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.26%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1.28%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>13.74%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>13.46%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>13.98%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>14.03%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>13.88%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><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 STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>56.60%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>56.25%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>56.49%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>57.41%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>55.92%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><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; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>2.23%</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>2.27%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><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 STYLE="width: 1%; white-space: nowrap; text-align: left; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Total Loans<SUP>(5)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,733,964</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,677,332</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,620,201</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,533,447</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,459,382</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,758,235</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,589,483</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,567,982</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,520,523</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,527,755</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,434,125</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,390,626</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,387,928</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,336,363</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><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; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>2,014,426</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,900,614</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,857,707</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,787,784</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,729,299</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Holding Company Capital Ratios</FONT></B><B><FONT size=2 face=Arial><SUP>(7)</SUP></FONT></B><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total risk-based capital ratio</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>12.43%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>12.49%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>12.50%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>12.77%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>13.01%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>11.48%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>11.53%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>11.48%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>11.70%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>11.90%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>10.17%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>10.14%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>10.15%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>9.96%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>10.27%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>10.72%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>10.73%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>10.66%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>10.83%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>10.98%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><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; vertical-align: top"></TD>

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>8.95%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Asset Quality Ratios:</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Nonperforming assets as a percentage of total assets</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.30%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.31%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.33%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.44%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>0.43%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Net charge-offs as a percentage of average loans<SUP>(5) </SUP>(YTD annualized)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.00%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.11%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.06%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.04%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.05%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Allowance for loan losses as a percentage of loans<SUP>(5)</SUP></FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.93%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.94%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.00%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.05%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1.09%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 88%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><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; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>265.35%</FONT></TD>

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>217.92%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="99%" colSpan=12 noWrap align=center><FONT size=1 face=Arial>[Footnotes to table located on page 3]</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>1</FONT></P>

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



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



<P style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>Operating Results<BR></FONT></U></B><FONT size=2 face=Arial>Net interest margin for the first quarter of 2019 was 3.52%, compared to 3.59% for the prior quarter and 3.63% for the first quarter of 2018. During the first quarter of 2019, our average interest-earning assets increased by $252.4 million, compared to the first quarter of 2018, while the yield on our interest-earning assets increased by 37 basis points. In comparison, our average interest-bearing liabilities increased by $184.5 million during the first quarter of 2019, compared to the first quarter of 2018, with the respective cost increasing by 64 basis points.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income was $3.0 million and $2.4 million for the three months ended March 31, 2019 and 2018, respectively. The increase in noninterest income during the three-month period ended March 31, 2019 relates primarily to an increase in mortgage banking revenue during the first quarter of 2019 as well as an increase in ATM and debit card income. Mortgage banking revenue comprises a significant portion of our noninterest income and totaled $1.9 million and $1.3 million for the three months ended March 31, 2019 and 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense was $10.6 million and $9.2 million for the three months ended March 31, 2019 and 2018, respectively. The increase in noninterest expense during the three-month period ended March 31, 2019 was driven primarily by increases in compensation and benefits, occupancy, data processing and related costs, and other noninterest expenses. Included in noninterest expense are mortgage banking expenses of $1.1 million and $964 thousand for the three months ended March 31, 2019 and 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>During the three months ended March 31, 2019, we recorded total credit costs of $301 thousand, primarily related to a $300 thousand provision for loan losses. In addition, we had net charge-offs for the first quarter of 2019 of $11 thousand. During the three months ended March 31, 2018, our total credit costs were $506 thousand, including a $500 thousand provision for loan losses and $6 thousand of expenses related to the sale and management of other real estate owned. Net loan charge-offs for the first quarter of 2018 were $171 thousand, or 0.05% of average loans, annualized. Our allowance for loan losses was $16.1 million, or 0.93% of loans, at March 31, 2019 which provides approximately 265% coverage of nonaccrual loans, compared to $15.9 million, or 1.09% of loans, and approximately 218% coverage of nonaccrual loans at March 31, 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Nonperforming assets were $6.0 million, or 0.30% of total assets, as of March 31, 2019. Comparatively, nonperforming assets were $7.5 million, or 0.43% of total assets, at March 31, 2018. Of the $6.0 million in total nonperforming assets as of March 31, 2019, nonperforming loans represented the entire balance with no other real estate owned. Classified assets improved to 8% of tier 1 capital plus the allowance for loan losses at March 31, 2019, compared to 9% at March 31, 2018.</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 March 31, 2019, compared to $1.5 billion at March 31, 2018. Core deposits, which exclude out-of-market deposits and time deposits of $250,000 or more, increased to $1.5 billion at March 31, 2019 compared to $1.3 billion at March 31, 2018.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Shareholders&#8217; equity totaled $181.2 million as of March 31, 2019, compared to $173.9 million at December 31, 2018, and $154.7 million at March 31, 2018. As of March 31, 2019, the Bank&#8217;s 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 style="WIDTH: 100%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD COLSPAN="14" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 4pt"><B><FONT size=2 face=Arial>FINANCIAL HIGHLIGHTS - Unaudited
</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"></TD>

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="4" STYLE="width: 4%; 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=center></TD>

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

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

   <TD COLSPAN="5" STYLE="width: 5%; 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: 87%; text-align: left; padding-left: 4pt"></TD>

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

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

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>2019-2018</FONT></B></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>June 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</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 STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Earnings Summary</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Interest income</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>21,612</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>17,178</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>25.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>21,079</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>19,865</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>18,535</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Interest expense</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>5,794</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>3,136</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>84.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>5,082</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>4,364</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>3,923</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net interest income</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15,818</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>14,042</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>12.60%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15,997</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15,501</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>14,612</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>300</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>500</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>(40.0)%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>600</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>400</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>400</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Noninterest income</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>2,994</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>2,420</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>23.7%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>2,476</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>2,533</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>2,771</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Noninterest expense</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>10,648</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>9,205</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>10,391</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>10,188</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>9,979</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,864</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>6,757</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>16.4%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,482</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,446</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>7,004</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Income tax expense</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,855</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,543</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>20.2%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,699</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,664</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1,494</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net income available to common shareholders</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; vertical-align: top"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>6,009</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>5,214</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>15.2%</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>5,782</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>5,510</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>7,459</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>7,337</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1.7%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>7,428</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>7,400</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>7,371</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Diluted weighted average common shares</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,742</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,727</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>0.2%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,726</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>7,746</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>7,751</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.81</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.71</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>14.1%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.78</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.78</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>0.75</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</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; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>0.78</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>0.67</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>16.4%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: top"><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: top"><FONT size=2 face=Arial>0.75</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>0.75</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>0.71</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>&nbsp;</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></FONT></TD>

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="4" STYLE="width: 4%; 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=center></TD>

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

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

   <TD COLSPAN="5" STYLE="width: 5%; 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: 87%; text-align: left; padding-left: 4pt"></TD>

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

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

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>2019-2018</FONT></B></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>June 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><FONT size=1 face=Arial>(in thousands, except per share data)</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 STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Balance Sheet Highlights</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Assets</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>2,014,426</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,729,299</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>16.5%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,900,614</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,857,707</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,787,784</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Investment securities</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>76,609</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>61,562</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>24.4%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>79,026</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>71,815</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>73,126</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>9,393</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>10,885</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>(13.7)%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>9,241</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>9,298</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>8,075</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,733,964</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,459,382</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>18.8%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,677,332</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,620,201</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,533,447</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Allowance for loan losses</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>16,051</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15,852</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1.3%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>16,140</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>16,100</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Other real estate owned</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>242</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>(100.0)%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>117</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>117</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Noninterest bearing deposits</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>359,753</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>297,892</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>20.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>346,570</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>300,331</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>310,709</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Interest bearing deposits</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,398,482</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,222,631</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>14.4%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,301,566</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,289,152</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,257,273</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,758,235</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,520,523</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15.6%</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,589,483</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,567,982</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Other borrowings</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>28,600</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>(12.6)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>50,000</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>68,500</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>28,600</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>13,403</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Tangible common equity</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>181,186</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>154,739</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>17.1%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>173,916</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>166,944</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>160,856</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total shareholders&#8217; equity</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; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>181,186</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>17.1%</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>160,856</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Book value per common share</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>24.14</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>20.96</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>15.2%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>23.29</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>22.41</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>21.66</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Stock price:</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>High</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>39.10</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>46.55</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>(16.0)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>39.00</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>47.00</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>48.35</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Low</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>31.63</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>41.00</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>(22.9)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>30.26</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>39.20</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>44.20</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Period end</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>33.87</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>44.50</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>(23.9)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>32.07</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>39.30</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>44.20</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Common shares outstanding</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>7,506</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>1.7%</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>7,426</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Other</FONT></B></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Loans to deposits</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>98.62%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>95.98%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>2.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>101.77%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>101.93%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>97.80%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Team members</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; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>227</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>7.6%</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; vertical-align: top"><FONT size=2 face=Arial>224</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><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="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,715,570</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,444,343</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>18.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,659,313</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,592,279</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,491,246</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Deposits</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,687,867</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,431,967</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>17.9%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,610,547</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,555,618</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; vertical-align: top"><FONT size=2 face=Arial>1,543,045</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Assets</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,909,960</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,645,846</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>16.0%</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"><FONT size=2 face=Arial>1,786,656</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; vertical-align: top"><FONT size=2 face=Arial>1,757,155</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1.5pt solid; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Equity</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>177,388</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>152,374</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>16.4%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>170,408</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>164,100</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top"><FONT size=2 face=Arial>157,575</FONT></TD></TR></TABLE>


<div style="TEXT-ALIGN: justify; padding-left: 4pt"><FONT size=2 face=Arial>Footnotes to tables:<BR></FONT><FONT size=1 face=Arial>(1) Total revenue is the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(2) The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.<BR>(3) Annualized for the respective three-month period.<BR></FONT><FONT size=1 face=Arial>(4) Noninterest expense divided by the sum of net interest income and noninterest income.<BR></FONT><FONT size=1 face=Arial>(5) Excludes mortgage loans held for sale.<BR></FONT><FONT size=1 face=Arial>(6) Excludes out of market deposits and time deposits greater than $250,000.<BR>(7) March 31, 2019 ratios are preliminary.<BR></FONT><FONT size=1 face=Arial>(8) The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.<BR>(9) The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.<BR>(10) Includes loans held for sale.</FONT></div>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>

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



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

<BR>

<TABLE style="LINE-HEIGHT: 13.5pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD COLSPAN="12" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 4pt"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>&nbsp;</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 STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="10" STYLE="width: 10%; 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: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></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="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

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

   <TD width="1%" noWrap align=center></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 STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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; </TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Commercial</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 STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Non-owner occupied RE</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>403</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>210</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,680</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,689</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,525</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Construction</FONT></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Commercial business</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>72</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>81</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>89</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>94</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>102</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Real estate</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>1,840</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,980</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,153</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,174</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,091</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Home equity</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,249</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>850</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,598</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>1,730</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Construction</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>-</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Other</FONT></TD>

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>12</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Nonaccruing troubled debt restructurings</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>2,485</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>2,541</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>2,194</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>3,166</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,826</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Total nonaccrual loans</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>6,049</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>5,830</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>5,966</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>7,721</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>7,274</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other real estate owned</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>-</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>-</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>117</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>117</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>242</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>6,049</FONT></TD>

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>7,516</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</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 STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Total assets</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.30%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.31%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.33%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.44%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>0.43%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Total loans</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>0.35%</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>0.35%</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>0.38%</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>0.51%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.52%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>6,839</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>6,742</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>6,699</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>7,397</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>5,649</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>&nbsp;</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></FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="10" STYLE="width: 10%; 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: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></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="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

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

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

   <TD width="1%" noWrap align=center></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 STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</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: 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"></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"></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"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Balance, beginning of period</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>15,762</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,140</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,100</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,852</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>15,523</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Loans charged-off</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(41)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(987)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(556)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(311)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>(293)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Recoveries of loans previously charged-off</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>30</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</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>196</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>159</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>122</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Net loans charged-off</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(11)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(978)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(360)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(152)</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>(171)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Provision for loan losses</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>300</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>600</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>400</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>400</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>500</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>16,051</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>15,762</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>16,140</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>16,100</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>15,852</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Allowance for loan losses to gross loans</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>0.93%</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>0.94%</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>1.00%</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>1.05%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1.09%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>265.35%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>270.36%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>270.54%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>208.52%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>217.92%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 4pt"><FONT size=2 face=Arial>Net charge-offs to average loans QTD (annualized)</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>0.00%</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>0.23%</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: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.09%</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>0.04%</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; padding-right: 4pt"><FONT size=2 face=Arial>0.05%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>&nbsp;</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></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></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></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></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 4pt"><B><FONT size=2 face=Arial>LOAN COMPOSITION - Unaudited</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>&nbsp;</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 STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="10" STYLE="width: 10%; 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: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></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=center></TD>

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

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

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

   <TD width="1%" noWrap align=center></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 STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Owner occupied RE</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>386,256</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>367,018</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>372,120</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>358,169</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>339,444</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Non-owner occupied RE</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>423,953</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>404,296</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>399,166</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>355,309</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>339,231</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Construction</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>80,561</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>84,411</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>68,415</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,655</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>56,210</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>Business</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>281,502</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>272,980</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>244,348</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>238,402</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>234,820</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 34pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial loans</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>1,172,272</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>1,128,705</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>1,084,049</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>1,025,535</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>969,705</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Real estate</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>330,538</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>320,943</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>311,271</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>290,433</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>275,731</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Home equity</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>167,146</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>165,937</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>163,654</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>156,630</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>155,507</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Construction</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>39,838</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>37,925</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>38,015</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>38,400</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>35,017</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>Other</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>24,170</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>23,822</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>23,212</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>22,449</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>23,422</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 34pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer loans</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>561,692</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>548,627</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>536,152</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>507,912</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>489,677</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 34pt; background-color: Silver"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,733,964</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,620,201</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,533,447</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>1,459,382</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Less&#8212;allowance for loan losses</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>(16,051)</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>(15,762)</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>(16,140)</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>(16,100)</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; padding-right: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,852)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid; padding-left: 34pt; background-color: Silver"><FONT size=2 face=Arial>Total loans, net</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>1,717,913</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>1,661,570</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>1,604,061</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; background-color: Silver"><FONT size=2 face=Arial>1,517,347</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>1,443,530</FONT></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; padding-left: 4pt"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION - Unaudited</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD COLSPAN="12" STYLE="white-space: nowrap; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"></TD>

   <TD style="WIDTH: 1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 11%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B><FONT size=1 face=Arial><B></B></FONT><FONT size=1 face=Arial><B></B></FONT><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"></TD>

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

   <TD COLSPAN="2" STYLE="width: 3%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 87%; text-align: left; padding-left: 4pt"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

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

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Non-interest bearing</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>&nbsp;359,754</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>346,570</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>300,331</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>310,709</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>297,892</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>

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

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

   <TD STYLE="width: 2%; 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; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>NOW accounts</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>211,613</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>186,795</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>237,860</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>251,511</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>243,418</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>791,490</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>730,765</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>680,824</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>659,353</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>642,333</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt; background-color: Silver"><FONT size=2 face=Arial>Savings</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>15,451</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>15,486</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>16,041</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>15,913</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>15,952</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>

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

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>61,331</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>63,073</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>62,744</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>60,632</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>56,778</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left; padding-left: 19pt; background-color: Silver"><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; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

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

   <TD STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>318,596</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>305,447</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>291,683</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>269,864</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt; background-color: Silver"><FONT size=2 face=Arial>264,150</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 87%; text-align: left; padding-left: 34pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 2%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,758,235</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,648,136</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,589,483</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,567,982</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,520,523</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="14" STYLE="width: 100%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>NONINTEREST INCOME &amp; EXPENSE - Unaudited</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=14>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="87%" noWrap align=left></TD>

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

   <TD COLSPAN="4" STYLE="width: 4%; 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=center></TD>

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

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

   <TD COLSPAN="5" STYLE="width: 5%; 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 width="87%" noWrap align=left></TD>

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

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

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

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>2019-2018</FONT></B></TD>

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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; </TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

   <TD STYLE="width: 1%; 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: center; border-bottom: Black 1pt solid">&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; </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; </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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><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; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,857</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,328</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.8%</FONT></TD>

   <TD width="1%" noWrap align=left></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=right><FONT size=2 face=Arial>1,354</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,629</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>265</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>257</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>3.1%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>271</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>257</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>256</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>380</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>334</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.8%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>404</FONT></TD>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>371</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>216</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>220</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(1.8)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>217</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>221</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>220</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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>276</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>281</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>(1.8)%</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>320</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>295</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid; background-color: Silver"><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; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>2,994</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>2,420</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>23.7%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>2,476</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>2,533</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>2,771</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1.5pt solid"><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>0.64%</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>0.60%</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: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6.7%</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: 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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.56%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.63%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>&nbsp;</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></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></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></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></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></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></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>6,783</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,843</FONT></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>

   <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=right><FONT size=2 face=Arial>6,599</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,365</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Occupancy</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,339</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,137</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>17.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,286</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,350</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,276</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>960</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>736</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>30.4%</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>902</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>841</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>824</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Insurance</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>318</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>313</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1.6%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>298</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>376</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>297</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>439</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>476</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(7.8)%</FONT></TD>

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

   <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=right><FONT size=2 face=Arial>275</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>457</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; background-color: Silver"><FONT size=2 face=Arial>Marketing</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>260</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>209</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>24.4%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>204</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>215</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>229</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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>549</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>491</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>11.8%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: 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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>532</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>531</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid; background-color: Silver"><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; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>10,648</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>9,205</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>10,188</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; background-color: Silver"><FONT size=2 face=Arial>9,979</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 87%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1.5pt solid"><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>2.26%</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>2.27%</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>(0.4)%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: 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: 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: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2.28%</FONT></TD></TR></TABLE>

<BR>

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



<TR vAlign=bottom>

   <TD COLSPAN="11" STYLE="width: 100%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>AVERAGE YIELD/RATE - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>

<TR>

   <TD  width="100%" colSpan=11>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

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

   <TD COLSPAN="9" STYLE="width: 9%; 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 width="90%" noWrap align=left></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; padding-right: 4pt"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="90%" noWrap align=left></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid; padding-right: 4pt"><B><FONT size=1 face=Arial>2018</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; 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 COLSPAN="9" STYLE="width: 9%; 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>(10)</SUP></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Interest-earning assets</FONT></B></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.30%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.20%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.95%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.82%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1.62%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Investment securities, taxable</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.87%</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.70%</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.65%</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2.49%</FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>2.18%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>3.98%</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=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=right><FONT size=2 face=Arial>3.68%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>4.19%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.94%</FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.86%</FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.77%</FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.70%</FONT></TD>

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt"><FONT size=2 face=Arial>4.65%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid"><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>4.81%</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: 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: 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: right; border-bottom: Black 1pt solid; padding-right: 4pt"><FONT size=2 face=Arial>4.44%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Interest-bearing liabilities</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; padding-right: 4pt"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>0.19%</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=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=right><FONT size=2 face=Arial>0.17%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.15%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Savings &amp; money market</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.72%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.52%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.34%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.25%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1.07%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><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>2.17%</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: 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: 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: right; border-bottom: Black 1pt solid; padding-right: 4pt"><FONT size=2 face=Arial>1.38%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 19pt"><FONT size=2 face=Arial>Total interest-bearing deposits</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.63%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.41%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.24%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1.14%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.97%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><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>3.32%</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=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=right><FONT size=2 face=Arial>3.35%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>3.25%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Junior subordinated debentures</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.93%</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.53%</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.47%</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4.79%</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; padding-right: 4pt"><FONT size=2 face=Arial>3.48%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 19pt; border-bottom: Black 1pt solid"><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>1.70%</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: 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: 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: 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: right; border-bottom: Black 1pt solid; padding-right: 4pt"><FONT size=2 face=Arial>1.06%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: #c0c0c0; width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net interest spread</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.11%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.24%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.28%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3.19%</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>3.38%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 90%; white-space: nowrap; text-align: left; padding-left: 4pt; border-bottom: Black 1.5pt solid"><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>3.52%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: 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: 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: 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: right; border-bottom: Black 1.5pt solid; padding-right: 4pt"><FONT size=2 face=Arial>3.63%</FONT></TD></TR></TABLE>

<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 </FONT><FONT size=2 face="Arial">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 assets of approximately &#36;2.0 billion and its common stock is traded in the NASDAQ Global Market under the symbol &#147;SFST.&#148; 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: center"><FONT size=2 face=Arial>5</FONT></P>

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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P style="text-align: justify;">
<B><FONT size=2 face="Arial">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 &#147;believes,&#148; &#147;expects,&#148; &#147;anticipates,&#148; &#147;estimates,&#148; &#147;intends,&#148; &#147;plans,&#148; &#147;targets,&#148; and &#147;projects,&#148; 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 the credit quality or a reduced demand for credit, including the resultant effect on the company&#146;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&#146;s Internet site (http://www.sec.gov). All subsequent written and oral forward-looking statements concerning the company or any person acting on its behalf is expressly qualified in its entirety by the cautionary statements above. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.</FONT></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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
